Official Rules

Debt-Free 2026 Monthly Sweepstakes

The Debt-Free 2026 Monthly Sweepstakes (the “Sweepstakes”) is sponsored by The Direct Loans (“Sponsor”).

1. Eligibility

The Sweepstakes is open only to legal residents of Canada who have reached the age of majority in their province or territory of residence at the time of entry.

Employees, officers, directors, contractors, representatives, agents, affiliates, subsidiaries, marketing agencies, vendors, and immediate family members or household members of any such persons are not eligible to enter or win.

Void where prohibited by law.

By entering, participants agree to be bound by these Official Rules and the decisions of the Sponsor, which shall be final and binding in all matters relating to the Sweepstakes.

2. Entry Period

The Sweepstakes operates on a monthly basis.

Each monthly entry period begins at 12:00:01 AM Eastern Time on the first day of the month and ends at 11:59:59 PM Eastern Time on the last day of the same month (the “Entry Period”).

3. How to Enter

No purchase, payment, or loan application is required.

To enter, complete and submit the official online entry form available through The Direct Loans website during the applicable Entry Period.

Limit one (1) entry per person per calendar month.

Multiple entries submitted by the same individual using different names, email addresses, phone numbers, devices, IP addresses, mailing addresses, or other methods may result in disqualification.

The Sponsor reserves the right to disqualify any entrant suspected of fraud, manipulation, automated entry methods, or attempts to circumvent these Official Rules.

4. Odds of Winning

Odds of winning depend on the total number of eligible entries received during the applicable Entry Period.

5. Winner Selection and Notification

On or about the first fifteen (15) business days following the end of each Entry Period, one (1) potential winner will be selected by random draw from all eligible entries received during that Entry Period.

The potential winner will be contacted using the information provided during entry.

If a selected entrant:

• Cannot be contacted;
• Fails to respond within fifteen (15) days;
• Is found to be ineligible;
• Fails to provide required verification; or
• Fails to comply with these Official Rules;

the entrant may be disqualified and an alternate winner may be selected.

6. Prize

One (1) winner may receive debt reduction assistance with a maximum value of up to One Hundred Thousand United States Dollars (USD $100,000).

Debt Reduction First

Prize funds will be applied directly toward eligible debt obligations approved by the Sponsor, including but not limited to:

• Credit card debt
• Personal loan debt
• Business debt
• Other qualifying financial obligations

The prize is not a cash giveaway and is not guaranteed to be paid directly to the winner.

Financial Consultation Requirement

Before any debt reduction assistance is provided, the winner must participate in a financial education or consultation program approved by the Sponsor.

The purpose of this requirement is to encourage responsible financial planning and long-term financial stability.

Any consultation costs may be deducted from the total prize value.

Prize Administration

The Sponsor reserves the right to determine:

• Eligible debt obligations
• Verification requirements
• Payment methods
• Debt settlement procedures
• Timing of prize administration

The winner must complete all required documentation and verification within six (6) months of notification.

Failure to do so may result in forfeiture of the prize.

7. Skill-Testing Requirement

Where required by applicable law, a selected entrant may be required to correctly answer a time-limited mathematical skill-testing question before being declared the official winner.

8. Taxes

Any tax consequences arising from acceptance or receipt of the prize are solely the responsibility of the winner.

The Sponsor makes no representations regarding tax treatment and recommends that winners seek independent tax advice.

9. Publicity Release

Except where prohibited by law, acceptance of a prize constitutes permission for the Sponsor to use the winner’s name, city, province, likeness, statements, and photographs for promotional and advertising purposes without additional compensation.

10. Privacy and Data Use

By entering, participants acknowledge and agree that personal information submitted may be collected, used, and disclosed for:

• Sweepstakes administration;
• Eligibility verification;
• Winner selection;
• Prize fulfillment;
• Financial consultation services;
• Communication regarding loan products, financial services, and related offers from The Direct Loans and its trusted partners.

Information will be handled in accordance with The Direct Loans Privacy Policy.

11. Limitation of Liability

The Sponsor and its affiliates are not responsible for lost, late, incomplete, misdirected, corrupted, delayed, or technically impaired entries, communications, or transmissions.

Participants release and hold harmless the Sponsor and its affiliates from claims arising out of participation in the Sweepstakes or acceptance, administration, or use of any prize.

12. Governing Law

These Official Rules shall be governed by and interpreted under the laws of the Province of Ontario and the federal laws of Canada applicable therein.

Any disputes shall be resolved exclusively in Toronto, Ontario.