Campaign Begins: May 11, 2026, 12:00 am (GMT-5)
Campaign Ends: May 31, 2026, 11:59 pm (GMT-5)
These Terms and Conditions (the “Terms”) govern the Ontop Card – “$1 Unlock” Campaign (the “Campaign”).During the Campaign Period, eligible Ontop users who complete a first qualifying purchase of at least $1 USD with their Ontop Card will unlock a Spin the Wheel opportunity, designed to drive first card activation, first card usage, and habit formation.
1. DEFINITIONS:
1.1 “Campaign Period”
Means the period between May 11, 2026, at 12:00 am (GMT-5) and May 31, 2026, at 11:59 pm (GMT-5).
1.2 “Ontop Card”
Means the prepaid card (physical or digital) issued by Ontop and linked to the user’s Ontop Wallet, available in countries where the Ontop Card is currently offered (“Card Countries”).
1.3 “Card Issuance”
Means the successful request and issuance of an Ontop Card (physical or digital) through the Ontop platform.
1.4 “Card Activation”
Means the successful activation of an issued Ontop Card by the user, enabling the card to be used for purchase transactions.
1.5 “Qualifying Purchase”
Means a successful purchase transaction of at least $1.00 USD (or local currency equivalent) made with the Ontop Card during the Campaign Period at any merchant accepting Visa.
1.6 “Spin the Wheel”
Means the digital reward mechanic accessible to the Participant after completing a Qualifying Purchase, through which the Participant is granted one (1) spin to be assigned a prize category.
1.7 “Prize Category”
Means the merchant or spending category assigned to the Participant as a result of the Spin the Wheel (e.g., Groceries, Transport, Streaming, Food Delivery, Retail, or any other category defined by Ontop). The Prize Category determines where the Participant must spend in order to redeem their cashback prize.
1.8 “Prize”
Means the cashback amount or fixed reward assigned through the Spin the Wheel, capped at the maximum value defined by Ontop and disclosed in the Spin the Wheel mechanic at the time of play.
1.9 “Redemption Window”
Means the 14-calendar-day period starting from the date the Participant completes their Spin the Wheel, during which the Participant must complete a Redemption Transaction in the assigned Prize Category to receive the Prize.
1.10 “Redemption Transaction”
Means a successful purchase transaction made with the Ontop Card during the Redemption Window, at a merchant whose Merchant Category Code (MCC) corresponds to the Prize Category assigned through the Spin the Wheel.
1.11 “Participant(s)”
Means eligible Ontop users who complete a Qualifying Purchase during the Campaign Period and access the Spin the Wheel mechanic in accordance with these Terms.
2. CAMPAIGN ELIGIBILITY:
To participate in the Campaign, users must meet all of the following conditions:
- Have an active Ontop account in good standing.
- Be located in a Card Country and be eligible to hold an Ontop Card.
- Be part of Ontop’s targeted segments for this Campaign, including:
- Workers without an issued Ontop Card.
- Workers with an issued but non-activated Ontop Card.
- Complete Card Issuance and Card Activation, where applicable, before performing the Qualifying Purchase.
- Complete a Qualifying Purchase during the Campaign Period.
- Comply with Ontop’s General Terms and Conditions and Ontop Card Terms of Service.
Participation is invite-based and limited to users selected by Ontop. Users who already had a Qualifying Purchase prior to the Campaign Period are not eligible.
3. CAMPAIGN MECHANICS:
3.1 First Qualifying Purchase Requirement
To unlock the Spin the Wheel, users must:
- Have an issued and activated Ontop Card (issuing and activating the card during the Campaign Period qualifies).
- Complete one (1) Qualifying Purchase of at least $1.00 USD using their Ontop Card during the Campaign Period.
Only the first Qualifying Purchase per user during the Campaign Period will trigger access to the Spin the Wheel.
3.2 Spin the Wheel
Once the Qualifying Purchase is validated, the Participant will be granted access to the Spin the Wheel mechanic, where they will:
- Receive one (1) spin per eligible Participant during the Campaign.
- Be assigned a Prize Category and corresponding Prize value as a result of the spin.
The result of the spin is final and non-transferable. The Prize Category cannot be changed, exchanged, or substituted.
3.3 Prize Redemption
To redeem the Prize, the Participant must:
- Complete a Redemption Transaction with their Ontop Card.
- Spend at a merchant whose category (MCC) matches the Prize Category assigned through the Spin the Wheel.
- Complete the Redemption Transaction within the Redemption Window (14 calendar days from the spin).
Failure to complete a valid Redemption Transaction within the Redemption Window will result in the forfeiture of the Prize.
3.4 Prize Crediting
- The Prize will be credited to the Participant’s Ontop Wallet within two (2) business days following validation of the Redemption Transaction.
- Crediting is subject to Ontop’s standard validation, anti-fraud, and processing timelines.
- Prizes are credited as cashback in the Participant’s Ontop Wallet and are subject to Ontop Wallet Terms.
4. PRIZE CALCULATION AND CREDITING:
- The Prize value is determined exclusively by the result of the Spin the Wheel and is capped at the maximum amount disclosed in the Spin the Wheel mechanic at the time of play.
- Only successfully completed, settled, and validated Redemption Transactions qualify for Prize crediting.
- Prize crediting will occur within two (2) business days following validation, and is subject to Ontop’s standard processing timelines.
- If no valid Redemption Transaction is completed within the Redemption Window, the Participant will not receive the Prize, and Ontop is under no obligation to grant an alternative reward.
5. RESTRICTIONS:
- Ontop reserves the right to:
- Revoke unlocked spins or Prizes.
- Disqualify Participants in cases of suspected fraud, abuse, or violation of these Terms.
- Recover any Prizes credited in error or as a result of fraudulent activity.
- Only the first Qualifying Purchase per Participant during the Campaign Period unlocks the Spin the Wheel.
- Each eligible Participant is entitled to one (1) spin and one (1) Prize during the Campaign.
- Reversed, refunded, disputed, or canceled transactions are excluded and do not qualify as Qualifying Purchases or Redemption Transactions.
- Only card-based purchase transactions qualify. Transfers, peer-to-peer payments, ATM withdrawals, cash-like transactions, and quasi-cash transactions (e.g., money orders, gambling, cryptocurrency purchases) are excluded.
- Transactions whose MCC does not match the assigned Prize Category will not be considered valid Redemption Transactions.
- Abuse, gaming, or artificial transactions—including self-payments, circular transactions, or coordinated transactions intended solely to trigger the Campaign—are strictly prohibited.
6. MODIFICATION AND TERMINATION:
Ontop reserves the right to:
- Modify, suspend, or terminate the Campaign at any time.
- Adjust eligibility, validation, Prize Categories, Prize values, or Spin the Wheel mechanics.
Any changes will not affect Prizes already validly earned and credited in compliance with these Terms prior to the change.
7. PERSONAL DATA:
Participation in this Campaign implies consent for Ontop to process personal data strictly for Campaign administration purposes, in accordance with Ontop’s Privacy Policy.
8. ACCEPTANCE OF TERMS:
Participation in this Campaign constitutes full acceptance of these Terms, Ontop’s General Terms and Conditions and the Ontop Card Terms of Service.
9. GENERAL CONDITIONS OF CAMPAIGN:
9.1 Validity.
The Campaign is valid only during the Campaign Period. The Activation Window may extend beyond the Campaign Period for users who received the Wallet Credit before the Campaign end date.
9.2 Fraudulent Activity.
Ontop reserves the right to cancel, suspend, or block participation in cases of fraud, abuse, or manipulation.
9.3 Eligibility Adjustments.
Ontop may modify eligibility conditions at its sole discretion.
9.4 Limitation of Liability.
Ontop is not responsible for technical issues or failed transactions affecting participation.
9.5 Governing Documents.
Please refer to Ontop’s General Terms, Privacy Policy, and Ontop Card Terms of Service for additional conditions.
9.6 Governing Law.
These Terms are governed by the laws of the State of Delaware.
9.7 Tax Responsibility.
Participants are responsible for any applicable taxes related to rewards received.
