To participate in the Aviva Community Fund competition you need to register at www.AvivaCommunityFund.org or through Facebook Connect. Please read all the Terms and Conditions below carefully before registering. By registering, you are acknowledging you accept these Terms and Conditions and agree to be bound by them.

You can participate in the Aviva Community Fund competition in the following three ways: (1) create and enter an idea for positive change in a community ("Idea"); (2) show support for one or more ideas from others by voting for your favourite idea(s); (3) participate in online discussions about the idea(s) on the Aviva Community Fund site. To participate on any of these levels you need to be registered on the Aviva Community Fund website.

To enter your idea into the Aviva Community Fund competition, visit www.AvivaCommunityFund.org during the "Idea Entry" phase, which starts at noon Sept. 26, 2011 EST and ends at noon Nov. 30, 2011 EST. Sign in, and complete the online Create an idea form. If you have not registered, you must register first before you can create an idea. You can edit your idea throughout the Idea Entry phase. Edits are subject to the same review and criteria as the initial idea entry. Once you submit a new version of your idea, and that new version has been reviewed and posted, the prior version will be deleted from the Aviva Community Fund website.

Anyone registered with the Aviva Community Fund can vote on ideas during both the Idea Entry and the Semi-Finals phases of the competition. The Semi-Finals phase starts at noon Dec. 5, 2011 EST and ends at noon Dec. 16, 2011 EST.

Registered participants can nominate one or more ideas that they feel should advance to the Semi-Finals phase based on the eligibility criteria set forth below. There is no limit to the number of ideas that a registered participant may vote on, but they will only have 15 votes per round, and they can only vote once per day for each idea.

Anyone with a facebook account can comment on the ideas, including making suggestions for edits to the idea entry. Any comments, suggestions, and other postings may be utilized by anyone entering an idea to create or edit their idea. All uses of the comments are subject to the Terms and Conditions of the Aviva Community Fund competition.

To register with the Aviva Community Fund, visit www.AvivaCommunityFund.org. You will be asked to either register using Facebook Connect or to provide your name and a valid email address and to create a Password so you can sign in. You are solely responsible for maintaining the confidentiality of your sign in information. Any activity or action taken with your sign in information, whether authorized or unauthorized, will be attributed to you and you will be solely responsible for such activity or action.

To participate in the Aviva Community Fund competition, you need to be a permanent Canadian resident or citizen of Canada. The competition is open to both customers and non-customers of Aviva. If you are under the age of 18 you need to have approval by a parent or guardian.

To enter an idea into the Aviva Community Fund competition:

• you can't be an Aviva employee or immediate family member (i.e. spouse, child, parent, regardless of where he/she lives, or sibling if living in the same home) of an Aviva employee;
• you can't be an equity owner or a partner in an Aviva Premiere Network provider or immediate family member (i.e. spouse, child, parent, regardless of where he/she lives, or sibling if living in the same home);
• you can't have any preferential relationship with Aviva, as determined in the sole discretion of Aviva;
• you can't be a judge or immediate family member (i.e. spouse, child, parent or sibling, regardless of where he/she lives) of a judge participating in the Aviva Community Fund competition; and
• you can't be an employee or immediate family member (i.e. spouse, child parent or sibling regardless of where he/she lives) of any promotion or development partners of Aviva involved with the Aviva Community Fund.

Your idea should result in a change that positively impacts a community in Canada. The idea content has to be original, not copied from any other work. It should be submitted in one of Canada's two official languages (English or French).

Your idea has to take place within Canada, and should not require access to private property in order to be implemented (though public or municipal properties or ideas that benefit an organization are OK).

Your idea should be realistic to implement within the funds available through the Aviva Community Fund, and realistically implementable or well underway by December 31, 2012.

Should your idea involve the implementation of a program that requires funding beyond 2012, Aviva can only provide one year of funding (the funding required for the initial set-up), after which funding may no longer be available. It may be possible to consider any recurring funding requirements as part of the total cost of the project and therefore may be allocated at the time of announcement. However, in no event will there be any additional commitment by Aviva beyond this allocation. Ideas requiring recurring funding will receive a lower score on the "Longevity and Sustainability" component of the judging criteria unless there is a feasible plan to obtain ongoing funding from other sources.

A single individual must submit an idea; while that individual can serve as a "team captain," all participant agreements and relationships must be managed outside of the Aviva Community Fund competition program.

Your idea can't include any mention of any specific individual, company, brands, or products.

Your idea can't contain any trademarks or other material owned by a third party without the express written permission of that third party.

Your idea can't contain any offensive, obscene, or sexually suggestive material, propaganda, potentially misleading information, or defamatory or disparaging material about other people or companies, or endorse any form of hate or hate group or terrorist activity.

The outcome of your idea can't result in discrimination on the basis of gender, race, religion, creed, national origin, disability, handicap, age, sexual orientation, or any other basis prohibited by law, as determined in the sole discretion of Aviva.

If your idea is submitted on behalf of or in association with a religious organization, its outcome must be accessible to anyone of any faith.

Your idea cannot involve any form of mandatory religious study or discriminate against any faith or group. Ideas that promote religious advocacy, attempt to convert people to another religion, or attempt to expand membership are not eligible to win the Aviva Community Fund and may be removed at any point throughout the competition.

Your idea can't support any particular political party or affiliated group.

Your idea can't directly promote or speak negatively about any particular faith, political action, legislation or party, or promote or encourage the violation of any law, as determined in the sole discretion of Aviva.

Your idea can't promote any activities that may appear unsafe or dangerous, as determined in the sole discretion of Aviva.

Your idea can't relate to controversial subject matter or any subject that is contrary to the interests of Aviva, as determined in the sole discretion of Aviva.

Aviva reserves the right, in its sole discretion, at any time and at any stage of the submission, judging, or voting process, to disqualify any idea that does not comply with the requirements set forth in these Terms and Conditions, or if the participant is not in full compliance with these Terms and Conditions, or if Aviva reasonably determines that it would be necessary or appropriate to disqualify any idea to avoid potential liability to Aviva, to maintain the integrity of the Aviva Community Fund, or to protect the welfare of Aviva and its customers, or Aviva Community Fund or its participants.

The posting of any idea on the Aviva Community Fund website does not guarantee advancement to the Semi-Finals or Judging phases. An idea that does not meet the eligibility criteria will not qualify for funding. If Aviva determines an idea does not meet eligibility criteria prior to the Semi-Finals phase or Judging phase, the idea will be eliminated from competing in the Semi-Finals phase or Judging phase.

In the event that an idea is disqualified during the Semi-finals or Judging phases, the next highest vote-earning submission may be promoted to the next phase in its place.

Everyone registered on the Aviva Community Fund site can vote for their favourite idea(s) during the Idea Entry and Semi-Final phases of the competition. These votes will determine which ideas will become finalists in the Aviva Community Fund competition.

The Idea Entry phase from noon Sept. 26, 2011 EST until noon Nov. 30, 2011 EST will be held in 3 opening rounds. During each opening round, the top 30 ideas with the most votes will move on to the Semi-Finals. The remaining ideas from the first 2 opening rounds that don’t make it to the Semi-Finals will have their vote count reset to 0 (zero) and can be voted on during the next opening round.

The 90 most popular ideas voted on during the Idea Entry phase will move on to the Semi-Finals phase. The 90 semi-finalist ideas will be voted on during the Semi-Finals phase (held Dec. 5, 2011 through Dec. 16, 2011). The top 30 most popular ideas from the Semi-Finals phase will move on to the Judging phase (held Dec. 20, 2011 through Jan. 24, 2012). Our panel of impartial judges will review all of the 30 ideas that are in the Judging phase and rank them according to pre-determined criteria outlined in these Terms and Conditions to determine which ideas will be funded.

The Judging panel is a diverse group of impartial judges selected by Aviva to rank the 30 ideas that have made it to the Judging phase. The Judging panel will evaluate these ideas based on the following criteria:

• Impact: How deeply are people impacted by this idea, and how urgent is the need? How many people will this idea benefit, and will it be compelling for a broad audience?
• Likelihood of Success: Is there a high probability of speedy and successful execution of this idea?
• Longevity & Sustainability: How long will the idea's impact last? Will this idea require regular funding beyond the initial request? If so, is there a plan to obtain additional funding? Note that regular funding beyond the initial request will result in lower scores.
• Originality: How novel is the idea?
• Submission Quality: How much effort went into the quality of the idea entry? Was it well thought through and clearly explained?

The judges will determine a score for each of the 30 finalist ideas. They will use a specific set of weighted criteria. Each of these finalists will be evaluated and scored against these criteria and then the ideas will be ranked from 1 to 10 for each category: Small, Medium and Large.

The Broker prize will be given to a Broker-supported idea of any size. Up to $150,000 will be reserved for the Broker prize.

If Aviva believes there may be a conflict of interest based on a relationship between a judge and an idea submitter, that judge's scores may not be included in that idea's evaluation.

To be eligible for the Broker prize, the idea creator must opt in to the Broker competition and receive at least one vote from an Aviva Broker who has registered for the Aviva Community Fund and been identified by the Aviva Community Fund as an Aviva contracted Broker.

The recipient of the Broker prize will be selected by the Aviva Community Fund judges.

The Aviva Community Fund will bring in an outside specialist who will manage the allocation of the funds.

Where the winner is an individual (ie, Not a Charity or Non-profit organization), the outside specialist will identify who will implement the funded ideas. The specialist will send out a Request for Proposal (RFP) to relevant organizations such as charities, governments, and other institutions to bid on implementing the project. After receiving bids, Aviva will walk through an impartial review process and choose the best partner organization to take on the project. Aviva will carefully evaluate the bids and select the candidates who are most reliable and cost-efficient. The organization selected will oversee the allocation of the funds, identify who will implement the idea, and ensure the project is completed efficiently and meets the highest quality standards.

By submitting an idea, you are not committing to do any work beyond your submission. You are not required to provide any additional effort after the awarding of the fund if you do not want further involvement in the implementation of the idea. If your idea is selected, we will contact you to see if you want to be involved in the creation of the project, where it is practical to do so.

No money will be awarded directly to the winner. If your idea is selected for funding, every effort will be made to execute the original idea as intended. In circumstances where it is not feasible to put your idea into action as originally expressed, due to lack of access to a location or cooperation with a governing body, the idea may need to be modified in order to facilitate implementation of the idea or the location may need to be altered. This will only happen in instances where there is a roadblock to implementation, and we will advise you of any alterations to the original submission.

You irrevocably assign to Aviva all rights (including copyrights) in any ideas or expressions of ideas that you provide on or through the Aviva Community Fund competition website, including without limitation the idea entry and all comments, suggestions, graphics, ideas, and other information or materials you submit in the idea entry and Comments and otherwise on or through the Aviva Community Fund competition website (collectively, "User Content"), all of which will become and remain the exclusive property of Aviva, including any future rights associated with such materials. Aviva and its licensees and designees shall have the right to use, reproduce, modify, adapt, publish, create derivative works from, distribute, and display the User Content for any purpose (including without limitation for purposes of advertising, publicizing, and promoting the Aviva Community Fund competition or other versions of Aviva Community Fund, and/or Aviva or its affiliates whether in Canada or around the world), in any media whatsoever, now or hereafter known, throughout the universe in perpetuity, without compensation (monetary or otherwise) or notice to you (collectively, "Usage Rights"). Notwithstanding the foregoing, you (and applicable third parties) shall retain all ownership rights to any support material you provide, but hereby grant to Aviva and its licensees and designees all Usage Rights (subject to any limitations specifically identified to Aviva in writing with respect to any third-party element incorporated in the support material).

You release and waive all claims against Aviva with respect to any intellectual property or other proprietary rights, rights of privacy and publicity, rights of attribution, or any other liability under the governing law of Canada.

Representatives of public relations organizations or Aviva communications may contact you with requests for additional information about your idea. As an idea creator, you agree to allow Aviva to provide the email address used during registration to public relations organizations for the use of contacting you directly for press inquiries or stories regarding your idea submission.

Aviva's partners may choose to feature the contents of your submission in news stories and promotional materials.

Aviva is not responsible for: (a) lost, late, unintelligible, incomplete, damaged, or garbled submissions or messages; (b) telephone, computer, hardware, software, programming or network failure or malfunction, or interrupted or unavailable network, server or other connections, or other technical failure or error, or failure to properly process idea entries; (c) communication disruption or other forces beyond the reasonable control of Aviva, including without limitation inability to access the Aviva Community Fund website, register, submit ideas, utilize comments, or vote; (d) any disruption related to Internet traffic, virus, bug, or unauthorized intervention; (e) damage caused by computer virus or otherwise to any computer from registered participant's access to or use of the Aviva Community Fund website, whether human, mechanical, or electronic; or (f) incorrect or inaccurate information, or other error of any kind, whether caused by Aviva, the registered participants, or by any of the programming or equipment associated with or used in Aviva Community Fund competition. If such malfunction, error, disruption, or damage occurs, and/or impairs the administration, security, fairness, integrity, or proper execution of the Aviva Community Fund competition and/or the Aviva Community Fund competition is otherwise not capable of running as planned, Aviva may, in its sole discretion, suspend the Aviva Community Fund competition for the remainder of the Aviva Community Fund competition or terminate the Aviva Community Fund competition by posting a notice on www.AvivaCommunityFund.org. Aviva reserves the right to disqualify the idea associated with any person found tampering with or abusing any aspect of the Aviva Community Fund competition, or keep such idea in the Aviva Community Fund competition but disqualify the submitting participant if the participant is determined to have been engaged in such conduct. Additionally, Aviva reserves the right in its sole discretion to suspend or terminate any registered participant access to the Aviva Community Fund website or participation in the Aviva Community Fund competition if Aviva believes such person to be causing any such malfunction, error, disruption, or damage, or such registered participant is suspected of engaging in any unlawful or fraudulent conduct.

Your access to and use of the Aviva Community Fund website is subject to all applicable international, federal, provincial, and local laws and regulations. The trademarks, logos, and service marks ("Marks") displayed on the Aviva Community Fund website are the property of Aviva and other parties. Users are prohibited from using any Marks for any purpose, including but not limited to use as metatags on other pages or sites on the World Wide Web without the written permission of Aviva or such third party which may own the Marks. All information and content including any software programs available on or through the Aviva Community Fund website ("Content") are protected by copyright. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works, or using any Content available on or through the Aviva Community Fund website for commercial purposes, or for any other purpose not specifically permitted by Aviva. You agree that your participation in the Aviva Community Fund competition is voluntary, personal, and non-transferable. Aviva may, in its sole discretion, immediately terminate your access to the Aviva Community Fund website should your conduct fail to conform to these Terms and Conditions.

All content on the Aviva Community Fund website (including without limitation idea entries, support materials, comments) are provided to you "as is" without warranty of any kind, either express or implied, including but not limited to implied warranties of merchantability and fitness for a particular purpose, title, non-infringement, security, or accuracy.

Aviva does not endorse and is not responsible for (A) the accuracy or reliability of any opinion, advice, or statement made by registered participants, fulfilling organizations, or anyone else on or throughout the Aviva Community Fund website as they may be contained in idea submissions, support materials, comments, or otherwise or (B) any Content provided on the Aviva Community Fund website.

Other than as required under applicable consumer protection laws, under no circumstance will Aviva be liable for any loss or damage caused by your reliance on information obtained through the Aviva Community Fund website. It is your responsibility to evaluate the accuracy, completeness, or usefulness of any opinion, advice, or other Content available through the Aviva Community Fund website. Please seek the advice of professionals, as appropriate, regarding the evaluation of any specific opinion, advice, product, service, or other Content.

The information, software, products, idea submissions, support materials, comments, or other Content published on the Aviva Community Fund website may include inaccuracies or typographical errors, and Aviva expressly disclaims any liability for such inaccuracies or errors. Aviva does not warrant or represent that the Content on the Aviva Community Fund website is complete or up-to-date. Aviva is under no obligation to update any Content on the Aviva Community Fund website other than to post the most-recent versions of idea submissions in accordance with these Terms and Conditions. Aviva may change the Content on the Aviva Community Fund website at any time without notice. Aviva may make improvements or changes to the Aviva Community Fund website at any time. You agree that Aviva and any of their respective officers, directors, employees, or agents will not be liable, whether in contract, tort, strict liability, or otherwise for any indirect, punitive, special, consequential, incidental, or indirect damages (including without limitation lost profits, cost of procuring substitute service, or lost opportunity) arising out of or in conjunction with the Aviva Community Fund competition, the use of the Aviva Community Fund website, or with the delay or inability to use the Aviva Community Fund website or any linked site, even if Aviva is made aware of the possibility of such damages. Aviva cannot and does not guarantee continuous, uninterrupted, or secure access to the Aviva Community Fund website.

Aviva reserves the right to store information on a registered participant's computer in the form of a "cookie" or similar file for purposes of modifying the Aviva Community Fund website to reflect registered participant's preferences.

Aviva will be collecting personal data about registered participants online, in accordance with its privacy policy. Please review the Aviva privacy policy at www.AvivaCanada.com. By participating in the Aviva Community Fund competition, you hereby agree to Aviva's collection and usage of your personal information for the purposes of this competition and acknowledge that you have read and accepted Aviva's privacy policy.

If any provision(s) of these Terms and Conditions is held by a court of competent jurisdiction to be contrary to the laws of Canada, then such provision(s) shall be construed, as nearly as possible, to reflect the intentions of the parties with the other provisions remaining in full force and effect. Aviva's failure to exercise or enforce any right or provision of these Terms and Conditions shall not constitute a waiver of such right or provision unless acknowledged and agreed to by Aviva in writing.

Benevity Social Ventures, Inc. (“Benevity”) is a is a Calgary-based company that provides micro-donation processing technology, as well as licenses certain application programming interfaces respecting micro-donation functionality to financial institutions, e-commerce environments, corporate employers, loyalty program providers and other participating businesses, such as Aviva Canada Inc. Benevity has developed one of North America’s first embeddable micro-donation platforms, enabling socially responsible businesses to engage their customers, employees and corporate partners in optional charitable giving on their terms. Benevity lets companies integrate user-directed, tax receiptable donations and corporate matching programs into their existing business activities and transaction environments, using their own brands and systems. In addition to the micro-donation platform, which can be customized to meet clients' needs and has been built to integrate easily into other applications, Benevity has also developed a "plug and play" “Software-as-a-Service” (“SaaS”) workplace giving product and a brandable SaaS charitable gift card product. Benevity helps companies’ build authentic and impactful cause marketing, workplace giving and other social responsibility initiatives that increase engagement, brand differentiation and return on social and community investment.

Canadian members of the general public using the Benevity functionality (the “Benevity Platform”) through the ACF site will be offered the opportunity to make a contribution of money to an “eligible charity” via a donor advised fund arrangement administered by the Canadian Online Giving Foundation, a registered charity in Canada under number 862216165 RR0001 (the “Foundation”). A donor advised fund arrangement is used to aggregate micro-donations cost effectively, and to enable the issuance of real-time tax receipts for the charitable donations to multiple charities and donors. The Foundation will further its charitable purposes by accepting (through the Benevity Platform) contributions of money from users of the ACF site, briefly holding the contributed funds, and distributing the funds to organizations listed on the ACF site from a database within the Benevity Platform of registered charities in good standing under the Income Tax Act (Canada).

In the event an ACF site user uses the Benevity Platform, the ACF site user agrees to hold Aviva and its respective directors, officers, agents, employees, affiliates, successors and assigns (collectively, the “Indemnitees”) harmless from and against all liability, causes of action, tax liability, penalties, costs and claims, and will reimburse the Indemnitees’ reasonable and actual expenses incurred in connection therewith (including legal fees and costs), arising from or related to your participation in any donation program including, but not limited to, any breach by you of this Agreement or any fraud, misrepresentation or abuse committed by you in connection with your participation in any donation program. Read full terms and conditions here

In no event will Aviva Canada Inc. be liable for any direct, special, incidental, consequential, or punitive damages, including without limitation, any lost profits or revenues, loss or inaccuracy of any data, regardless, of the theory of liability (including negligence and fundamental breach) for the use of the Benevity Platform by an ACF user and even if such user has been advised of the possibility of such damages.

All donations made through the Benevity Platform will be subject to a management fee of seven percent (7%) payable to the Foundation, which, together with any third party vendor account fees, is deducted from the amounts disbursed by the Foundation to the eligible charities (the “Platform Fee”). Notwithstanding that, the amount of any tax receipt issued to a participant will be for the full amount of the donation, unless they choose to pay the Platform Fee as part of the transaction. Read full terms and condition here