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Campaign Begins: Wednesday, June 3, 2026
Campaign Ends: Tuesday, June 30, 2026
These Terms and Conditions (the "Terms") govern the Ontop Card – Cashback FOMO Retroactive Campaign (the "Campaign"). During the Campaign Period, eligible Ontop users who upgrade to an annual plan may receive a retroactive cashback credit for qualifying spend made in May 2026.
1. DEFINITIONS:
Means the period between June 3, 2026 and June 30, 2026, inclusive. The Campaign runs on a weekly cadence every Tuesday throughout June.
Means the prepaid card (physical or digital) issued by Ontop and linked to the user’s Ontop Wallet.
Means the annual subscription plan offered by Ontop. Upgrading to the Annual Plan is required to unlock the retroactive cashback benefit under this Campaign.
1.4 “Retroactive Cashback”
Means the cashback amount credited to the Participant's Ontop Wallet, calculated based on the cashback the Participant would have earned on their qualifying May 2026 spend, had they been on an annual plan during that period.
Means all successfully settled, non-reversed, and non-refunded transactions made using the Ontop Card during May 2026, which would have qualified for cashback under the Annual Plan terms.
1.6 “Personalized Report”
Means the weekly communication sent to eligible users showing: (i) how much cashback they would have earned in May 2026, and (ii) how much they could be earning in June 2026, based on their actual transaction history.
Means Ontop users who:
2. HOW IT WORKS:
Each week throughout June, eligible workers receive a Personalized Report showing:
If the user subscribes to the Annual Plan during the Campaign Period, the retroactive cashback they would have earned in May is credited to their Ontop Wallet as an immediate incentive to upgrade.
The Campaign activates every Tuesday in June, on the following dates:
Week 1: Tuesday, June 3, 2026
Week 2: Tuesday, June 10, 2026
Week 3: Tuesday, June 17, 2026
Week 4: Tuesday, June 24, 2026
Week 5: Tuesday, June 30, 2026
3. ELIGIBILITY:
To be eligible for the Campaign, users must:
4. RETROACTIVE CASHBACK MECHANICS:
Upon subscribing to the Annual Plan during the Campaign Period, the Participant will receive a retroactive cashback credit calculated as follows:
💡 Example: If a user spent USD 2,000 in May 2026 and the applicable cashback rate is 2%, their retroactive cashback would be USD 40. If their calculated retroactive cashback exceeds USD 100, they will receive a maximum of USD 100.
Only transactions that meet all of the following criteria will be considered for retroactive cashback calculation:
The following will not qualify for this Campaign:
Ontop reserves the right to disqualify any Participant suspected of attempting to manipulate or abuse the Campaign.
7. CHANNELS:
The Campaign is delivered through the following channels:
Exact channel mix subject to change at Ontop's discretion.
8. MODIFICATION AND TERMINATION:
Ontop reserves the right to:
Any modifications will not affect retroactive cashback already credited to Participants in compliance with these Terms.
9. PERSONAL DATA:
Participation in this Campaign implies consent for Ontop to process personal data — including historical transaction data from May 2026 — strictly for Campaign administration purposes, in accordance with Ontop's Privacy Policy.
Participation in this Campaign constitutes full acceptance of these Terms and Ontop's General Terms and Conditions.
11.1 Validity
The Campaign will be valid only during the Campaign Period defined in these Terms.
Ontop reserves the right to cancel, suspend, or modify the Campaign and block a Participant's account if fraud or unlawful action is detected in order to gain additional cashback.
Ontop reserves the right to modify eligibility conditions or cancel the Campaign at any time at its sole discretion.
By participating in the Campaign, Participants agree to release Ontop, its affiliates, and representatives from any claims arising from participation in the Campaign. Ontop is not responsible for technical failures or system issues that may result in incomplete transactions or uncredited cashback.
Please refer to the Ontop Platform Terms, including the Client General Terms and Conditions, Worker General Terms and Conditions, Privacy Policy, and Ontop Card Terms of Service, which govern matters not covered in these Terms.
These Terms are governed by the laws of the State of Delaware. Any disputes will be resolved through binding arbitration as outlined in the Ontop Card Terms of Service.
Participants are solely responsible for any taxes or expenses associated with the cashback rewards.
By participating in the Campaign, you consent to the collection and use of personal information — including historical May 2026 transaction data — as described in Ontop's Privacy Policy.