Investly® investment bonus offer promotion (“Promotion”): Full terms and conditions
Get up to 5% cash incentive on your investment with Investly® if you maintain your investment for three months (“Offer”).
- Eligibility: Offer is open to individual Canadian residents only who are over the age of majority in their province/territory of residence and have downloaded the Investly® mobile app (no retailer, club, group or organization may participate).
- Offer Period: The Offer period begins at 12:00 a.m. ET on July 3, 2025, and ends on December 31, 2025, at 11:59 p.m. ET (the “Offer Period”). Investly® reserves the right to terminate earlier or extend the Offer Period at any time without notice to you.
- How to Participate: To participate, during the Offer Period eligible participants must, using the Investly® app:
- Open a new Investly® investment account (a “Participating Account”), or have opened a Participating Account prior to the Offer Period that has not been funded.
- Make one or more cash contributions in the Participating Account during the 30-day period starting once you “accept” the prompt to join the Promotion in the Investly® app (the “Contribution Period”).
- Maintain the contributions made during the Contribution Period in the Participating Account for a minimum of three months from the date the Contribution Period expires (the “Holding Period”).
Cash contributions made in accordance with the preceding provisions are together referred to as the “Contribution”.
Eligible participants who complete the above actions will receive a total of 5% of their Contribution, up to a maximum of $250 CAD (the “Bonus”) on the first business day of the next month following expiration of the Holding Period. The Bonus will be provided in the form of a cash contribution to the Participating Account. The Bonus will be automatically invested in the Investly® portfolio approved for the Participating Account.
Each Bonus is calculated based on the net Contribution amount remaining at the end of the Holding Period, i.e., the total Contribution amount, less the amount of any withdrawals made thereto during the Contribution Period and/or the Holding Period. Eligible participants will still qualify for a Bonus if, at any time during the Contribution Period and/or the Holding Period, a) an eligible participant withdraws some, but not all, of their Contribution (in which case, the Bonus is calculated based only on the amount of the Contribution that remains in the Participating Account at the end of the Holding Period); b) the value of the Contribution decreases due to market fluctuations; or c) the Offer Period expires. For clarity, any increase in value due to market fluctuations during the Contribution Period and/or the Holding Period will not count toward the Contribution amount for purposes of calculating the applicable cash Bonus.
By participating in the Offer, you agree to be bound by the terms and conditions of this Offer (the “Terms and Conditions”).
Offer cannot be combined with any other offers.
Limit of one Offer per eligible individual. You may only participate in the Offer using one Participating Account. For certainty, the maximum Bonus that can be earned under this Offer is $250 CAD per individual. Any attempts to exceed the limits set out in these Full Terms and Conditions may result in disqualification in the discretion of the Sponsor.
You are responsible for monitoring your contribution amounts and complying with any contribution limits applicable to your Participating Account. You will be solely liable for any negative tax consequences resulting from over-contributions to your Participating Account. No tax forms/receipts will be issued for Bonuses paid to Participating Accounts that are non-registered accounts. Where required, Fidelity will report Bonuses paid to registered Participating Accounts to the Canada Revenue Agency and issue tax forms/receipts to participants, as applicable.
During the Offer Period, John opened a new TFSA account (his Participating Account). The next day, he accepted a prompt from Investly® to join the Promotion, and after determining that he had $10,000 in available TFSA contribution room, he deposited $2,000 into his Participating Account from the personal banking account he set up in the Investly® app. Two weeks later, he deposited an additional $3,000 into his Participating Account from the same bank account. Since a total of $5,000 (his Contribution) was deposited to his Participating Account during the Contribution Period, John qualifies for a cash Bonus of $250, provided he does not withdraw any of his Contribution for at least three months from the date his Contribution Period ends.
For instance, if John withdraws $500 from his Participating Account during the Contribution Period, and then withdraws another $500 during the Holding Period, John’s cash Bonus would be reduced to $200 ($5,000 - $1,000 = $4,000 x 5% = $200). If, however, the value of John’s original Contribution ($5,000) falls to $4,000 by the end of the Holding Period due solely to market fluctuations, his cash Bonus would remain $250.
- General Conditions: Investly® is a part of Fidelity Investments Canada ULC (“Sponsor”). The Sponsor and its parent companies, subsidiaries, affiliates, distributors, suppliers, advertising/promotion agencies, representatives, agents, successors, assigns, employees, officers and directors (collectively the “Releasees”) are not responsible for any accident, negligence, printing, administrative or other errors that may arise or occur in connection with this offer. The decisions of the Releasees with respect to all aspects of this Offer are final and binding on all participants without right of appeal.
By participating in this Offer, to the fullest extent permitted by applicable law, you agree to release and hold harmless the Releasees from any and all liability for loss, harm, damage, injury, cost or expense whatsoever that may occur in connection with the Offer, including (without limitation) with respect to any tax becoming payable by you as a result of Bonus payments (for example, but without limitation, as a result of excess contributions to a registered account or otherwise).
The Releasees reserve the right, in their sole discretion, to withdraw or amend this Promotion in any way, or to amend these Terms and Conditions without prior notice or obligation, including in the event of (i) any error, technical problem, fraud or any other cause beyond the reasonable control of the Releasees that interferes with the proper conduct of this Promotion as contemplated by these Terms and Conditions; and/or (ii) any accident, printing, administrative or other error or any kind. Where required by law, or at our discretion, we will provide you with written notice of the changes at least thirty days before they take effect by sending a message to the email address (or other contact information we have for you at our discretion) associated with your account. This notice will clearly and legibly indicate exclusively the new clause, or the amended clause and the clause as it read formerly, the date of the coming into force of the amendment and the fact that if the change entails an increase in your obligations or a reduction in ours, you may refuse the amendment and terminate your contract with us by sending us notice to that effect no later than thirty days after the amendment comes into force.
The sole determinant of time for the purposes of this Offer is the Sponsor’s official server(s).
Any personal information collected from the participant by Sponsor is governed by the Sponsor’s Privacy Policy, which can be found at https://www.fidelity.ca/en/legal/privacy/, together with further information about your privacy rights and contact information for questions. By participating in this Promotion, a participant grants the Sponsor and its affiliates the right to use the information provided by the participant for the purposes of administering the Promotion. Participant personal information will be used by the Sponsor and its third-party service providers inside and outside Quebec and Canada. By participating in the Promotion, participants consent to the transfer of their data to jurisdictions outside their province and/or country of residence, which may have different data protection rules governing their personal information.