Last updated May 29, 2026

Content

• General Information
• Match Bonus
• House Giveaway
• Terms & Conditions Match Bonus
• Terms & Conditions House Giveaway

General Information

Match Bonus

Qualifying for the Match

Receiving my Payout

Hold Period

House Giveaway

Terms and Conditions - Match Bonus

2026 Wealthsimple Winter Match Promotion - The (Un)real Deal (the “Promotion”)

This Promotion is sponsored by Wealthsimple Technologies Inc. (together with its affiliates  “Wealthsimple”). 

Promotion Period. From January 13, 2026 at 12:01AM ET to April 30, 2026 at 11:59PM ET (the “Promotion Period”).

Eligibility. To be eligible for the Promotion, the person must, at the time of participation, including when the Bonus (as defined below) is awarded:

• be a new or existing Wealthsimple Self-directed Investing, Managed Investing, Crypto, or Chequing account (each a “Wealthsimple Account”) account user, with all Wealthsimple accounts in good standing;
• be a legal resident of Canada;
• be the age of majority, or older, in their province/territory of residence; and
• meet the requirements set out below.

(the “Client”).

Incentives. To qualify for any Bonus (as defined below), eligible Clients must: (i) first register for the Promotion during the Promotion Period, then (ii) complete the Qualifying Funding during the Qualification Period, then (iii) choose a Bonus (as defined below), each Bonus has its own specific Payout Period and Hold Period.

Match Bonus	Payout Period	Hold Period
1%	12 Equal Payments	12 months
2%	36 Equal Payments	36 months
3%	60 Equal Payments	60 months

Qualifying Funding. To participate in the Promotion, eligible Clients must initiate a qualified account transfer(s) or crypto transfer(s) totaling $25,000 or more from their existing investment account(s) at a Canadian investment institution other than Wealthsimple to a Wealthsimple Self-directed Investing, Managed Investing, or Crypto account(s) during the Promotion Period (a “Qualifying Funding”) within thirty (30) days of registering for the Promotion (the “Qualification Period”). Qualifying Funding may consist of multiple transfers so long as the total meets the $25,000 minimum requirement. For greater certainty, Client-initiated deposits, transfers from entities affiliated with Wealthsimple, transfers between the Client’s Wealthsimple accounts, transfers to Wealthsimple Chequing accounts, Wealthsimple for Business Group Plan transfers, and other non-account transfers, including but not limited to direct deposits, or funds received via electronic transfers will not be considered a Qualifying Transfer. Any transfer must be received by Wealthsimple on or before either ninety (90) days after the Qualification Period ends, or by July 29, 2026, whichever is earlier, to be eligible as a Qualifying Transfer.

If the Client’s Wealthsimple Account is a Spousal RRSP or a joint account where there is a primary and secondary account holder, only the primary account holder will be considered the Client for the purpose of this Promotion, and any transfers to the Wealthsimple Account made by the secondary account holder will count towards the Net Funding Amount (as defined below) for the primary account holder. For greater certainty, the secondary account holder will not be eligible for a Bonus/Reward (as defined below). 

If the Client’s Wealthsimple Account is an RESP, a Spousal RRSP, or a joint account (each a “Multiple Holder Account”) where there is a primary and secondary account holder, the primary account holder must be the individual registered for the Promotion to be eligible for the Bonus (as defined below). Registrations by a secondary account holder in their capacity as a secondary account holder for a Multiple Holder Account are not considered valid registrations for the purpose of this Promotion. When the primary account holder is registered for the Promotion, any transfers, deposits, or withdrawals to and from the Wealthsimple Account made by the primary or the secondary account holder will count towards the calculation of the Net Funding Amount (as defined below) for the primary account holder. Any Bonus applied per these terms and conditions would be towards the primary account holder. For greater certainty, the secondary account holder will not be eligible for a Bonus. 

There are no fees associated with the creation of a Wealthsimple Account. A Client can open a Wealthsimple Account by visiting https://www.wealthsimple.com/en-ca and following the instructions on how to create an account. Further details on transferring an account to Wealthsimple can be found at https://wsim.co/transfer-account. 

Transfer Fee from External Institutions. There may be fees charged by an institution outside of Wealthsimple for the transfer of the Client’s account(s) to Wealthsimple. Wealthsimple will automatically reimburse the transfer-out fee per account from an institution if the Client’s Qualifying Transfer is equal to or greater than $25,000 in a single account transfer. For further details and conditions, please visit https://wsim.co/fee-reimbursement.

Bonus. The cash bonus (the “Match Bonus”) as selected by the Client, will be calculated based on the cumulative account transfer amounts received into a Wealthsimple Account, up to a maximum of $5,000,000, less withdrawals and any transferred margin debit balances during the Promotion Period (the “Net Funding Amount”). On Qualifying Transfers (as defined below), a cash bonus of 1%, 2% or 3%  calculated based on the market value of the Net Funding Amount will be applied. 

The market value of the Net Funding Amount is calculated as of the date to which Wealthsimple receives a Qualifying Transfer, net of any applicable fees, including but not limited to, transfer fees and foreign exchange fees. Where a Qualifying Transfer is in US currency, the Bonus will be calculated based on the market value at the exchange rate as of the date to which Wealthsimple receives the Qualifying Transfer. All Bonuses will be paid in Canadian currency.

This Bonus is non-transferrable, and cannot be applied retroactively. The Bonus remains subject to change, at Wealthsimple’s sole discretion. 

If the Client makes withdrawals prior to the Qualification Period, regardless of whether part or all of those withdrawals are subsequently deposited back for the purpose of benefiting from this Promotion, or if Wealthsimple, as determined at its sole discretion, suspects fraudulent behaviour or gaming the system, Wealthsimple reserves the right to include such withdrawals in the calculation of Net Funding Amount, disqualify the Client from participating this Promotion and to take any other action it deems appropriate including, but not limited to, removing the awarded Bonuses retail value from the Wealthsimple account(s), or closing their Wealthsimple account(s). For greater certainty, transfers made between Client’s Wealthsimple account will not affect the Net Funding Amount.

Hold Period. Unless specified herein, Clients who receive a Match Bonus may not spend or otherwise remove: (i) the cumulative balance of the Client’s Wealthsimple account(s) as at the start date of the Promotion Period, and (ii) more than 20% of the cumulative Net Funding Amount (together, the “Withdrawal Limit”) for the Hold Period specified in the Incentives Chart, by their chosen Match Bonus percentage. 

Where a Client goes over the Withdrawal Limit during the Hold Period:

• 1%, 2% or 3% Match Bonus Selection: If the Client is unable to replenish the required balance before the next Match Bonus payment, subsequent Match Bonus payments will be adjusted on a pro-rata basis, starting with the Net Funding Amount qualified for the Client’s lowest eligible Match Bonus. Any ceased or missed Match Bonus amount due to the foregoing adjustment(s) will be considered forfeited and will not be awarded. Subsequent replenishment of the required balance after a pro-rata adjustment(s) will not increase the remainder Match Bonus payments. 

Transfers between the Client’s own Wealthsimple account(s), and/or negative fluctuations in the Net Funding Amount solely due to market conditions will not be counted towards the Withdrawal Limit. Withdrawals on any profits, dividends, interests or benefits otherwise derived from the Net Funding Amount, and withdrawals from a Multiple Holder Account by the secondary account holder will be counted towards the Withdrawal Limit.

Payments to a Client’s Wealthsimple credit card, bills, Pre-authorized Debits (PADs), withdrawals from the Home Buyers’ Plan or First Home Savings Account for the purpose of purchasing a home, annual mandatory minimum withdrawals from Life Income Fund or Registered Retirement Income Fund, margin debit balance withdrawals or borrowing from a portfolio line of credit will not count towards the Withdrawal Limit. However if Wealthsimple, as determined at its sole discretion, suspects fraudulent behaviour or gaming the system, Wealthsimple reserves the right to include such transactions in the calculation of the Withdrawal Limit, disqualify the Client from participating this Promotion and to take any other action it deems appropriate including, but not limited to, removing the awarded Bonuses retail value from the Wealthsimple account(s), or closing their Wealthsimple account(s).

Selection of Match Bonus. Eligible Clients will be able to select their Match Bonus percentage within thirty (30) days of their Net Funding Amount being received by Wealthsimple ("Selection Window"). Once the Match Bonus percentage is selected, it cannot be changed. If the Client fails to select their Match Bonus percentage within the Selection Window, the Match Bonus will be considered forfeited and no Match Bonus will be applied to the Client. Any unclaimed Match Bonus, unresponsive communication, or Match Bonus forfeiture will not be rewarded and has no cash value.

Application of Bonus. In order to receive the Match Bonus, the Client must have a Wealthsimple Chequing (“Chequing”) account that is in good standing. Clients who do not have a Chequing account by the time a Match Bonus is issued will have thirty (30) days upon the first Chequing account opening requirement notification to open a Chequing account. Any Match Bonus not applied to a Chequing account will expire after thirty (30) days of issuance and any expired Match Bonus will be considered forfeited by the Client. Wealthsimple is not liable for any forfeited Match Bonus and any forfeiture will not be reissued. 

The Match Bonus will be applied as outlined in the Incentive Chart to the Client’s Wealthsimple account(s) within thirty (30) days after the Promotion Period or after the full Net Funding Amount has settled in the Client’s Wealthsimple account(s), whichever is later. Once the first Match Bonus is applied, the remaining Bonus payments will be applied on or around the same day of each subsequent month. All Wealthsimple account(s) must be in good standing at the time the Match Bonus is applied. The Match Bonus is non-transferrable, and cannot be applied retroactively. The Match Bonus remains subject to change, at Wealthsimple’s sole discretion. 

Tax Implications. There are tax implications to bonuses and rewards of this nature in most instances. Please consult with an accountant or tax professional for additional guidance. Wealthsimple will not be issuing clients a tax slip to report Bonuses paid to a non-registered account. Clients are solely responsible for any required tax reporting.

Combinability. Unless specified in the terms of other promotions, this Promotion cannot be combined with other offers or promotion codes other than the Wealthsimple Referral Promotion, Wealthsimple x Pine Mortgage Cash Back Offer, Direct Deposit Incentive, Super Boost Referral Promotion, Wealthsimple Crypto Over-the-Counter (OTC) Desk Offer, or Wealthsimple 2026 “(Un)real Deal” Home Giveaway.

If Client had previously registered for a non-combinable promotion and subsequently registers for this Promotion, all deposits and transfers eligible for this Promotion will count towards this Promotion and not the previously registered non-combinable promotion(s).

If Client has previously registered for a Promotion that they are currently receiving a Reward/Bonus for, participation in this Promotion will not be effected.

If, after registering for this Promotion, the Client subsequently registers for another non-combinable promotion(s), please refer to the terms for those promotion(s) for details.

Currency. All currency shown in these terms and conditions are in Canadian dollars.

Release. By participating in the Promotion, Client assumes all risk of injury, illness, disease, death, or any other damage which may arise in connection with their participation in the Promotion. Without limiting the foregoing, client hereby: (a) forever releases and discharges Wealthsimple and its parent companies, subsidiaries, affiliates, related and associated entities and employees, directors, officers, suppliers, agents, sponsors and administrators of each (collectively, the “Releasees”), from and against any and all claims, actions, costs, liabilities, judgments, damages, obligations, losses, penalties, and expenses of any kind or nature whatsoever (including legal fees) in any way arising directly or indirectly out of any injury, loss, or damage that the Client may suffer as a result of, or in connection with the participation in the Promotion or any promotion-related activity, including the posting of the Bonus in their Wealthsimple account and subsequent use of the Bonus; and (b) indemnifies, defends and holds harmless the Releasees from and against any and all damages, loss and expenses, including legal fees, which may be suffered directly or indirectly by reason of the Client’s own negligence or willful misconduct during or in connection with their participation in the Promotion.

General. Wealthsimple reserves the right to cancel, amend, withdraw or restrict the Promotion at any time without notice. Wealthsimple is the sole arbiter of these rules and any other issue arising under the Promotion. If Wealthsimple suspects fraudulent or abusive behaviour, gaming of the system, inappropriate, offensive or derogatory language or information or a violation of these terms, as determined in Wealthsimple’s sole and absolute discretion, Wealthsimple reserves the right to remove all promotions from the Wealthsimple account(s) and take any other action it deems appropriate including, but not limited to, removing the Bonus or closing the Wealthsimple account(s). This Promotion cannot be used in conjunction with any other promotional offer, unless specified herein. An invitation to participate in this Promotion does not provide assurance that you will be accepted as a customer of Wealthsimple. This Promotion is only valid for individuals in the location cited above that otherwise meet our eligibility requirements. The standard terms (https://www.wealthsimple.com/en-ca/legal/terms) relating to the use of Wealthsimple and any agreements that apply to the Wealthsimple account(s) each apply and are not affected in any way by this Promotion.

In the event of any discrepancy or inconsistency between the terms and conditions of the Promotion and disclosures or other statements contained in any related materials, including but not limited to the point of sale, print or online advertising, the terms and conditions of the Promotion shall prevail, govern and control.

Terms and Conditions - House Giveaway

Wealthsimple 2026 “(Un)real Deal” Home Giveaway (the “Contest”)

The Contest is sponsored by Wealthsimple Technologies Inc. and its affiliated entities (“Wealthsimple”)

Official Rules and Regulations

CONTEST RULES

NO PURCHASE IS NECESSARY

THE CONTEST IS INTENDED TO BE CONDUCTED ONLY IN CANADA AND SHALL BE CONSTRUED AND EVALUATED ACCORDING TO APPLICABLE CANADIAN LAW. VOID IN WHOLE OR IN PART WHERE PROHIBITED BY LAW. ENTRY IN THE CONTEST CONSTITUTES ACCEPTANCE OF THESE CONTEST RULES (THE “CONTEST RULES”).

CONTEST PERIOD: The contest period will begin at 12:01am Eastern Time (“ET”) on January 13, 2026, and will end at 11:59pm ET on March 31, 2026 (the “Contest Period”), after which time the Contest will be closed and no further uninitiated entries shall be accepted.

ELIGIBILITY: To enter and be eligible to win, the entrant must be:

• a new or existing Wealthsimple user where an account is necessary as a condition of entry and claiming a Prize, with all Wealthsimple accounts in good standing at the time of entry and at the time the Prize is awarded;
• a Canadian citizen or permanent resident of Canada;
• a legal resident of Canada at the time of entry and at the time the Prize is awarded;
• the age of majority, or older, in your province/territory of residence at the time of entry; and
• meet the entry requirements set out below

(each an “Entrant”).

Employees, officers and directors of Wealthsimple and its partners and associate companies, each of their advertising and promotional agencies and their respective affiliates and associates, independent contractors engaged by Wealthsimple to promote the Contest and such individuals’ immediate family members and persons with whom such individuals are domiciled, are not eligible to enter or participate in the Contest. For the purposes of the Contest Rules, “immediate family” refers to the spouse, dependent for federal income tax purposes, step-, biological, foster, in-law or adoptive parent, sibling or child of such an employee, agent and/or representative, or who is domiciled in the same household as any such person.

Wealthsimple shall have the right at any time to require proof of identity and/or eligibility to participate in the Contest. Failure to provide such proof may result in disqualification. All personal and other information requested by and supplied to Wealthsimple for the purpose of the Contest must be truthful, complete, accurate and in no way misleading. Wealthsimple reserves the right, in its sole discretion, to disqualify the Entrant, should the Entrant at any stage supply untruthful, incomplete, inaccurate or misleading personal details and/or information.

HOW TO ENTER: No purchase necessary. Limit of ten million (10,000,000) entries total per Entrant.

REGISTRATION ENTRY: To enter for five-thousand (5,000) entries into the Contest, Entrant must (i) open and fund (min. CAD$1) a Wealthsimple account or have a funded (min. CAD$1) Wealthsimple account; and (ii) successfully register for the 2026 Wealthsimple Winter Match Promotion - The (Un)real Deal (the “Registration”).

ADDITIONAL ENTRIES: There are two (2) methods to obtain additional entries into the Contest, provided that the Entrant also completes the Registration Entry method (“Additional Entry Methods”). The Additional Entry Methods must be completed within thirty (30) days of the Entrant completing the Registration or by March 31, 2026, whichever is sooner (the “Qualification Period”). For the avoidance of doubt, any Additional Entry Methods completed after the Qualification Period will not be included in the Entrant’s total number of entries.  Maximum of nine million nine hundred and ninety-five thousand (9,995,000) entries per Entrant under the Additional Entry Methods, regardless of the method below: 

 

METHOD #1 - DEPOSITS/TRANSFERS: To obtain additional entries via this method, eligible Entrants will need to initiate a deposit or transfer funds into their Wealthsimple account(s) during the Qualification Period (a “Qualifying Funding”). Every CAD$1 (less withdrawals and/or transfers out) in the Entrant’s Wealthsimple account equals one (1) additional entry. Funds must be received by Wealthsimple by 11:59pm ET on April 30, 2026 to be considered a Qualifying Funding. For greater certainty, transfers or deposits from entities affiliated with Wealthsimple, transfers between the Entrant’s Wealthsimple accounts, and transfers or deposits to Wealthsimple for Business Group Plan will not be considered a Qualifying Funding. 

The total number of entries gained via this method will be calculated based on the cumulative amount of Qualifying Funding into Entrant’s Wealthsimple account(s) during the Qualification Period less the cumulative amount of withdrawals and transfers made out of Entrant’s Wealthsimple account(s) between 12:01am ET on January 13, 2026 and 11:59pm ET on April 30, 2026, up to the maximum allowable number of additional entries and subject to the below terms:

• Transfers-In-Kind: The market value of the Qualifying Funding for transfers-in-kind is calculated as of the date to which Wealthsimple receives a qualifying transfer, net of any applicable fees, including but not limited to, transfer fees and foreign exchange fees. Where a qualifying transfer is in US currency, the Qualifying Funding amount will be calculated based on the market value at the exchange rate as of the date to which Wealthsimple receives the qualifying transfer.
• Multiple Holder Accounts: If the Entrant's Wealthsimple account is an RESP, a Spousal RRSP, or a joint account (each a "Multiple Holder Account") where there is a primary and secondary account holder, the primary account holder must be the individual registered for the Contest to obtain the entry. Entries by a secondary account holder in their capacity as a secondary account holder for a Multiple Holder Account are not considered valid entries for the purpose of this Contest. When the primary account holder is registered for the Contest, any transfers, deposits or withdrawals to and from the Multiple Holder Account made by the primary or the secondary account holder will count towards the calculation of the Qualifying Funding for the primary account holder. Any Prize awarded per these Contest Rules would be awarded to the primary account holder. For greater certainty, the secondary account holder will not be eligible to win the Prize.

Wealthsimple may, in its sole discretion, omit cumulative withdrawals and/or transfers out that do not exceed 10% of the cumulative Qualifying Funding from the calculation of entries. Additionally, transfers between an Entrant’s own Wealthsimple account(s), payments to an Entrant’s Wealthsimple credit card, bills, Pre-authorized Debits (PADs), withdrawals from the Home Buyers’ Plan or First Home Savings Account for the purpose of purchasing a home, annual mandatory minimum withdrawals from Life Income Fund or Registered Retirement Income Fund, margin debit balance withdrawals or borrowing from a portfolio line of credit account will not count as a withdrawal for the purpose of calculating Contest entries. 

If Wealthsimple, as determined at its sole discretion, suspects fraudulent behaviour or gaming the system, Wealthsimple reserves the right to include such withdrawals in the calculation of total entries via this method, revise the Entrant’s Entry Tally at any time, disqualify the Entrant from participating in the Contest and to take any other action it deems appropriate, including, but not limited to, closing their Wealthsimple account(s).

METHOD #2 - REFERRALS: To obtain twenty-thousand (20,000) entries via this method, eligible Entrant must successfully refer a Qualifying Referee (as defined below) to open a Wealthsimple account using the eligible Entrant’s unique referral link or promo code during the Qualification Period (the “Referral Relationship Establishment”), and such Qualifying Referee must initiate a qualified account transfer(s), crypto transfer(s) and/or deposits from their existing account at a different investment institution of at least CAD$1 within thirty (30) days of the Referral Relationship Establishment. 

To qualify as a Qualifying Referee, the referred individual must:

• be a legal resident of Canada;
• be the age of majority, or older, in their province/territory of residence at the time of participation; 
• not have previously funded any Wealthsimple Self-directed Investing, Crypto, Managed Investing, or chequing account;
• meet the requirements for registering a Wealthsimple account; and
• meet the referral requirements set out above.

(a “Qualifying Referee”).

There is no limit to the number of entries via this method (up to the maximum allowable number of additional entries), so long as each Qualifying Referee is a different individual and that each Qualifying Referee satisfies the condition to open and fund an account during the Contest Period. Each successful referral equals twenty-thousand (20,000) additional entries into the Contest for the eligible Entrant.

If Wealthsimple, as determined at its sole discretion, suspects fraudulent behaviour or gaming the system, Wealthsimple reserves the right to exclude such referrals in the calculation of total entries via this method, revise the Entrant’s Entry Tally at any time, disqualify the Entrant from participating in the Contest and to take any other action it deems appropriate, including, but not limited to, closing their Wealthsimple account(s).

ESSAY (NO PURCHASE) ENTRY: To obtain five-thousand (5,000) entries via the essay method, Entrant must (i) open a Wealthsimple account or have an active Wealthsimple account in good standing at the time of entry and at the time the Prize is awarded; (ii) complete the Registration; and (iii) write their name, address, city, province or territory, postal code, telephone number, the email associated with their Wealthsimple account, and a unique and original 100-word or more essay on the topic of “The Unreal Financial Goal I’m Making Real”, and mail it to “Wealthsimple 2026 “(Un)real Deal” Home Giveaway” at 400-80 Spadina Avenue, Toronto, ON, M5V 2J4. Mail must be datestamped no later than March 31, 2026 and must be received no later than April 7, 2026. Repeated, incomplete, or incorrect entries will be void. No script, macro, robotic or other program-assisted, mechanically reproduced, bulk or mass entries are permitted. To be considered an entry via this method, each entry must be unique and original to the Entrant. Limit one (1) essay per postage-stamped envelope. Multiple essay entries submitted together in the same envelope or via any bulk-mail method will not be accepted. Maximum of five thousand (5,000) entries per Entrant for their first essay.

ADDITIONAL ESSAY (NO PURCHASE) ENTRIES: To receive one (1) additional entry via the Essay (No Purchase) Entry method, eligible Entrant may submit a subsequent original essay by writing their name, address, city, province or territory, postal code, telephone number, the email associated with their Wealthsimple account, and a unique and original 100-word or more essay on “The Unreal Financial Goal I’m Making Real”, and mail it to “Wealthsimple 2026 “(Un)real Deal” Home Giveaway” at 400-80 Spadina Avenue, Toronto, ON, M5V 2J4. Mail must be datestamped no later than March 31, 2026 and must be received no later than April 7, 2026. Repeated, incomplete, or incorrect entries will be void. No script, macro, robotic or other program-assisted, mechanically reproduced, bulk or mass entries are permitted. Each entry must be unique and original to the Entrant. Limit one (1) essay per postage-stamped envelope. Multiple essay entries submitted together in the same envelope or via any bulk-mail method will not be accepted. 

To obtain twenty-thousand (20,000) additional entries via the Essay (No Purchase) Entry method, eligible Entrant must (i) complete the Essay (No Purchase) Entry method; and (ii) successfully refer a qualifying individual to open a Wealthsimple account using the eligible Entrant’s unique referral link or promo code and initiate a qualified account transfer(s), crypto transfer(s) and/or deposits from their existing account at a different investment institution of at least CAD$1 during the Contest Period. All terms applicable under Method #2 - Referrals as set out above apply under this method.

Maximum of nine million nine hundred and ninety-five thousand (9,995,000) additional entries per Entrant under the Additional Essay (No Purchase) Entries methods.

UN(REAL) DEAL 3% MATCH MULTIPLIER: If an Entrant: (i) successfully registers and qualifies for the 2026 Wealthsimple Winter Match Promotion - The (Un)real Deal (the "Match Promotion"), and (ii) selects the 3% match option under the Match Promotion by April 30, 2026, all entries in the Contest obtained by such Entrant shall be doubled (the "Match Multiplier"). The doubled entries earned via the Match Multiplier remain subject to the maximum entry limits set out in these Contest Rules, including the limit of ten million (10,000,000) total entries per Entrant. For the avoidance of doubt, to qualify for the Match Multiplier, the Entrant must meet all eligibility requirements and terms and conditions of the Match Promotion (as set out in the respective promotion terms) and select the 3% match option by April 30, 2026. Wealthsimple reserves the right to verify an Entrant's qualification for the Match Promotion and to revise the Entrant's Entry Tally accordingly.

ENTRY TALLY: Each Entrant will receive a final tally of their total number of entries obtained via registration, deposits or referrals (including any applicable Match Multiplier) ("Entry Tally"), which will be made available to Entrants on the Rewards Centre page of their Wealthsimple app after the Entrant completes the Registration. Essay entries will not be displayed in the Entry Tally, but will be included in the Draw. For greater clarity:

• If all eligible deposits, transfers and/or withdrawals (including any applicable Match Multiplier) are completed by March 31, 2026, the Entry Tally reflected on the Entrant’s Rewards Centre page on April 1, 2026 will be the Entrant’s final Entry Tally for the Contest;
• If eligible deposits, transfers and/or withdrawals are pending after March 31, 2026, the Entry Tally will continue to update as the deposits, transfers and/or withdrawals (including any applicable Match Multiplier) are completed, provided that Wealthsimple receives such deposits and/or transfers (and, if applicable, Entrant qualifies for the Match Multiplier) by April 30, 2026 at 11:59pm ET. Any deposits and/or transfers received after 11:59pm on April 30, 2026 will be excluded from Entrant’s Entry Tally. The Entry Tally will update approximately seventy-two (72) hours after deposits and/or transfers are received by Wealthsimple.
• Any essay entries obtained via the Essay Entry methods shall not be reflected in the Entry Tally; however, all valid essay entries will be included in the Draw. 

Each Entrant is solely responsible for reviewing their own Entry Tally for accuracy and completeness. Wealthsimple does not guarantee that all qualifying Entries will be automatically reflected in the Entry Tally, and will not be responsible for any errors or omissions in the calculation or display of Entries. After 11:59pm on April 30, 2026, the Entry Tally is considered final unless Wealthsimple determines otherwise in its sole and absolute discretion.

Wealthsimple reserves the right to verify the accuracy of any Entry Tally and to make the final determination regarding the number of entries allocated to any Entrant. By participating in the Contest, the Entrant agrees to be bound by the decisions of Wealthsimple regarding Entry Tally queries, which shall be final and binding in all respects. 

PRIZE: One (1) prize available to be won in Canada, consisting of one (1) furnished property situated in Lions Bay, British Columbia (the “Property”), the fees and costs related to transferring the property into the Winner’s name (including legal fees and disbursements, closing costs, title insurance, land transfer fees and title fees) and a lump sum of $100,000 CAD (the “Ownership Cost Cash”) to cover cost of ownership of the property throughout the Contest winner’s period of ownership (the “Prize”). The approximate retail value of a Prize is CAD$3,500,000. Due to housing market fluctuations, the market value of the Property may rise or diminish over time. The Winner is not entitled to the difference, if any, between the stated and actual market value of the Property at the time the Prize is awarded.

The Property portion of the Prize is awarded on an "as is, where is" basis, with no warranties or representations, express or implied, by Wealthsimple as to the condition, state of repair, fitness for purpose, or merchantability of the Property. Wealthsimple makes no warranty, guarantee, or representation of any kind concerning the Property and shall not be liable for any latent or patent defects therein. 

In order to receive the Ownership Cost Cash portion of the Prize, the Winner must have a Wealthsimple chequing account ("Chequing Account") or open a Chequing Account. If the Winner does not have or open a Chequing Account within 30 days of Winner Notification the Ownership Cost Cash will be deemed forfeit. All Wealthsimple account(s) must be in good standing at the time the Prize is being awarded.

The Prize is non-exchangeable, non-transferable, non-refundable, has no cash-surrender value, and must be accepted as awarded with no substitutions. 

The selected Entrant that satisfied the requirements of this Contest (the “Winner”) will be responsible for coordinating review (including review by any professional advisors) of any agreements and all fees, taxes, and costs associated with obtaining and enjoying the Prize not listed above, including but not limited to, moving expenses, property taxes, electricity costs, utilities, insurance and other ongoing expenses related to ownership of the Property. 

Wealthsimple reserves the right, for any reason and in its sole discretion, to substitute and/or modify the Prize with another prize that is of equal or greater value. Unless prohibited by law, no responsibility is assumed by Wealthsimple once the title of the Prize has been transferred.

DRAW: One (1) entry will be selected via random drawing from among eligible entries received during the Contest Period on or around May 4, 2026 at approximately 12:00 pm ET in Toronto, ON (“Draw Date”). 

 

ODDS: The odds of being selected as a potential Winner are dependent upon the number of eligible entries received by Wealthsimple during the Contest Period. Maximum of one Prize per Entrant.

WINNER NOTIFICATION: Within two (2) business days of the Draw Date, Wealthsimple, acting reasonably, will attempt to contact the potential Winner of the Contest via e-mail and/or phone (via SMS and/or call) as associated with the potential Winner’s Wealthsimple account (“Winner Notification”). The selected Entrant must confirm receipt of the Winner Notification, and complete all steps outlined therein, including the completion of a Winner Declaration and Release form. In the event a potential Winner cannot be contacted by 11:59:59 PM ET seven (7) days after the Winner Notification or there is a return of any notification as undeliverable, or otherwise does not meet the eligibility or Contest requirements, they may be disqualified and Wealthsimple reserves the right, in its sole discretion, to follow the provisions and procedures referred to above relating to selection and notification of a potential Prize winner, with the necessary amendments, until a qualified Prize winner has been duly selected, or there are no more eligible entries, whichever occurs first. Wealthsimple is not responsible for the failure for any reason whatsoever of a selected Entrant to receive notification or for Wealthsimple to receive a selected Entrant’s response.

 

No correspondence will be entered into except with Entrants requesting the Contest Rules by mail or requesting the name(s) of the Winner, for which a self-addressed, postage paid envelope must be included. Requests should be addressed to Wealthsimple’s Chief Compliance Officer at 400-80 Spadina Avenue, Toronto, ON, M5V 2J4.

SKILL TESTING QUESTION: Before being declared a Winner, the potential Winner shall be required to correctly answer, without assistance of any kind, whether mechanical or otherwise, a time-limited mathematical skill-testing question to be administered in the Winner Declaration and Release form, to comply with the Contest Rules, and to sign and return the Release within the period specified by Wealthsimple.

RELEASE: By entering the Contest, the Entrant agrees to release and to hold Wealthsimple and its parent companies, subsidiaries, affiliates, related and associated entities, employees, directors, officers, suppliers, agents, sponsors and administrators (the “Releasees”) harmless from any and all liability for any injuries, loss or damage of any kind to the Entrant or any other person, including personal injury, death, or property damage, resulting in whole or in part, directly or indirectly, from acceptance, possession, use or misuse of any Prize, participation in the Contest, any breach of the Contest Rules, or in any Prize-related activity. The Entrant agrees to fully indemnify Wealthsimple, and the Releasees from any and all claims by third parties relating to the Contest, without limitation.

Wealthsimple assumes no responsibility or liability for lost, late, unintelligible/illegible, falsified, damaged, misdirected or incomplete entries, notifications, responses, replies or any release, or for any computer, online, software, telephone, hardware or technical malfunctions that may occur, including but not limited to malfunctions that may affect the transmission or non-transmission of an entry. Wealthsimple is not responsible for any incorrect or inaccurate information, whether caused by website users or by any of the equipment or programming associated with or utilized in the Contest or by any technical or human error which may occur in the administration of the Contest. Wealthsimple assumes no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction or unauthorized access to, or alteration of, entries. Wealthsimple is not responsible for any problems, failures or technical malfunction of any telephone network or lines, computer online systems, servers, providers, computer equipment, software, e-mail, players, applications or browsers, on account of technical problems or traffic congestion on the Internet, at any website or application, or on account of any combination of the foregoing or otherwise. Wealthsimple is not responsible for any injury or damage to the Entrant or to any computer related to or resulting from participating or downloading materials in the Contest. The entrant assumes liability for injuries caused or claimed to be caused by participating in the Contest, or by the acceptance, possession of, use of, or failure to receive any Prize. Wealthsimple assumes no responsibility or liability in the event that the Contest cannot be conducted as planned for any reason, including those reasons beyond the control of Wealthsimple, such as infection by computer virus, bugs, tampering, unauthorized intervention, fraud, technical failures, or corruption of the administration, security, fairness, integrity or proper conduct of the Contest, the Contest website(s) and/or the Contest application(s). Wealthsimple assumes no responsibility for entries which fail to comply with the Contest Rules. Wealthsimple assumes no responsibility for any failure of Wealthsimple’s website or application during the Contest Period, including any problems or technical malfunctions of any computer on-line systems, servers, computer equipment, software, failure of any e-mail, notification or entry to be received on account of technical problems or traffic congestion on the Internet, any website, any application, or any combination thereon.

Wealthsimple reserves the right, in its sole discretion, to terminate the Contest, in whole or in part, and/or modify, amend or suspend the Contest, and/or the Contest Rules in any way, at any time, for any reason without prior notice.

PUBLICITY: Unless prohibited by law, the Winner agrees that by accepting a Prize, Wealthsimple may use the Winner’s name, likeness, photo, video, city of residence, biographical information, prize information and/or statements about this Contest for publicity purposes in any and all media worldwide, whether now known or later developed, with no compensation, notification or permission. Winner also agrees to participate in any publicity reasonably required by Wealthsimple. 

TAMPERING: All entries are subject to verification. By participating in the Contest, the Entrant agrees to be bound by the Contest Rules. The Entrant further agrees to be bound by the decisions of Wealthsimple, which shall be final and binding in all respects. Wealthsimple reserves the right, in its sole discretion, to disqualify any Entrant found to be:

1. violating the Contest Rules;
2. tampering or attempting to tamper with the entry process or the operation of the Contest, the Contest website, the Contest application or any related promotional website or application;
3. using any automated, script, macro, robotic or other program(s) to enter or otherwise participate in the Contest; or
4. acting in an unsportsmanlike or disruptive manner, or with intent to annoy, abuse, threaten or harass any other person.

CAUTION: ANY ATTEMPT TO DELIBERATELY DAMAGE THE CONTEST WEBSITE, THE CONTEST APPLICATION OR OTHERWISE UNDERMINE THE LEGITIMATE OPERATION OF THE CONTEST MAY BE A VIOLATION OF CRIMINAL AND CIVIL LAWS. SHOULD SUCH AN ATTEMPT BE MADE, WEALTHSIMPLE RESERVES THE RIGHT TO SEEK REMEDIES AND DAMAGES TO THE FULLEST EXTENT PERMITTED BY LAW, INCLUDING BUT NOT LIMITED TO CRIMINAL PROSECUTION.

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 used in connection with the Contest are the property of Wealthsimple and/or its affiliates. All rights are reserved. Unauthorized copying or use of any copyrighted material or intellectual property without the express written consent of its owner is strictly prohibited.

COLLECTION OF INFORMATION: By entering the Contest, the Entrant understands and agrees that Wealthsimple will collect, use and disclose their personal information for the purposes of administering the Contest, as well as in accordance to the Privacy Policy as applicable to their Wealthsimple account. Wealthsimple’s Privacy Policy is available here. 

By entering the Contest, Entrants also expressly consent to Wealthsimple’s collection and use  of their personal information, including their email address, and Contest Registration responses, for the purposes of better understanding Entrants' interests and preferences, and to send commercial electronic messages (including emails, SMS text message and other communications)  to the Entrant for the purpose of marketing, promoting and offering Wealthsimple products, services or events, as well as products, services or events of Wealthsimple’s affiliates. For clarity, the collection and use of Entrants' personal information described above is in furtherance of the Contest's broader purpose of enabling Wealthsimple to better understand its customers and their preferences. Entrants may withdraw this marketing consent at any time by following the unsubscribe instructions contained in each commercial electronic message or by contacting Wealthsimple. This consent for marketing communications is separate from the consent required to administer the Contest, and Entrants may enter the Contest without providing this marketing consent. 

Any questions regarding Wealthsimple’s Privacy Policy or the treatment of your personal information should be directed to Wealthsimple’s Chief Privacy Officer at 400-80 Spadina Avenue, Toronto, ON, M5V 2J4.

CONSTRUCTION: The Contest is void where prohibited by law and is subject to all applicable federal, provincial and municipal laws and regulations. The Contest Rules are subject to change without notice in order to comply with any applicable federal, provincial and municipal laws or the policy of any other entity having jurisdiction over Wealthsimple. All issues and questions concerning the construction, validity, interpretation and enforceability of the Contest Rules or the rights and obligations as between the entrant and Wealthsimple in connection with the Contest shall be governed by and construed in accordance with the laws of the province of Ontario including procedural provisions without giving effect to any choice of law or conflict of law rules or provisions that would cause the application of any other jurisdiction’s laws. All dollar amounts referred to in the Contest Rules are stated in Canadian Dollars.

 

Invalidity or unenforceability of any provisions, in part or in full of these Contest Rules shall not affect the validity or enforceability for the remainder of the rules. The Contest Rules shall be interpreted as if the invalid or unenforceable provisions were not included, should such provisions exist.

In the event of any discrepancy or inconsistency between the terms and conditions of the Contest Rules and disclosures or other statements contained in any Contest related materials, including but not limited to the Contest entry form, or point of sale, television, print or online advertising, and/or between the English and French language version of these Contest Rules, the terms and conditions of the English language version Contest Rules shall prevail, govern and control.