WorldCup Cashback Terms and Conditions

Campaign Begins: Wednesday, July 1, 2026, 12:00 am (GMT-5)

Campaign Ends: Sunday, July 19, 2026, 11:59 pm (GMT-5)

These Terms and Conditions (the "Terms") govern the Ontop Card – WorldCup Cashback Campaign (the "Campaign"). During the Campaign Period, eligible Ontop cardholders may receive a 2% cashback on Restaurants, Groceries and Delivery related commerces made on designated Match Days, increased to a boosted 5% cashback on the World Cup Final Match Day (July 19, 2026).

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1. DEFINITIONS:

1.1 "Campaign Period"

Means the period between July 1, 2026, at 12:00 am (GMT-5) and July 19, 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.

1.3 "Eligible Cardholders"

This Campaign is not country-specific. It is available to eligible Ontop cardholders across all markets where the Ontop Card operates, subject to the eligibility criteria in Section 3.

1.4 "Match Day"

Means each calendar day during the Campaign Period that Ontop designates as a Match Day, corresponding to key World Cup fixtures (such as the close of the group stage, the round of 16, and the Final). Each Match Day is communicated to eligible Participants via push notification and in-app pop-up.

• Standard Match Days: unlock a 2% cashback offer.
• Final Match Day (July 19, 2026): unlocks a boosted 5% cashback offer.

1.5 "Eligible Transactions"

Means purchases made using the Ontop Card that are:

• Completed during the 24-hour activation window on a Match Day
• The first qualifying transaction made by the user on that Match Day
• Settled (not pending, reversed, or refunded)
• Made at a qualifying merchant category: restaurants, food delivery, or grocery stores

1.6 "Cashback"

Means a reward applied to the value of the Eligible Transaction, equal to:

• 2% on Standard Match Days, or
• 5% on the Final Match Day (July 19, 2026),

up to a maximum of USD 10 per offer activation.

1.7 "Participant(s)"

Means Ontop users who:

• Are active cardholders who already spend with the Ontop Card
• Receive and activate the cashback offer on a Match Day
• Complete an Eligible Transaction within the 24-hour activation window
• Comply with these Terms

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2. HOW IT WORKS:

On each Match Day, eligible Participants will receive a push notification and an in-app pop-up unlocking the cashback offer. The offer is:

• Valid for 24 hours only, starting from the moment of notification on the Match Day
• Applicable to the first qualifying purchase only within that 24-hour window
• Limited to one (1) activation per user, per Match Day
• Equal to 2% cashback on Standard Match Days and a boosted 5% cashback on the Final Match Day (July 19, 2026)

The cashback does not apply to every purchase. It applies exclusively to the first purchase made within a qualifying merchant category (restaurants, food delivery, or grocery stores) during the 24-hour activation window. Purchases outside these categories, and any purchase made after the first qualifying one, are not eligible for cashback.

A reminder communication will be sent on July 18, 2026 ahead of the Final. The boosted 5% offer is only active and redeemable on July 19, 2026; the July 18 communication serves as a reminder only and does not activate the offer.

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3. ELIGIBILITY:

To be eligible for the Campaign, users must:

• Have an active Ontop account
• Have an active Ontop Card
• Be an active cardholder who has made at least one transaction with their Ontop Card prior to the Campaign
• Comply with Ontop's General Terms and Conditions

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4. CASHBACK MECHANICS:

Cashback will be calculated based on the total value of the first Eligible Transaction made within the 24-hour window on each Match Day.

• Rate: 2% of the Eligible Transaction value on Standard Match Days; 5% on the Final Match Day (July 19, 2026)
• Cap: Maximum of USD 10 per Match Day activation
• Applies to: First purchase only per Match Day, in qualifying merchant categories (restaurants, food delivery, or grocery stores)
• Credited to: The Participant's Ontop Wallet, subject to transaction validation

💡 Example (Standard Match Day – 2%): A transaction of USD 80 at a restaurant would generate a cashback of USD 1.60 (2%). A transaction of USD 600 would be capped at USD 10.

💡 Example (Final Match Day – 5%): A transaction of USD 80 at a restaurant on July 19 would generate a cashback of USD 4.00 (5%). A transaction of USD 600 would be capped at USD 10.

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5. ELIGIBLE TRANSACTIONS:

Only transactions that meet all of the following criteria will be considered for cashback:

• Completed using the Ontop Card within the 24-hour activation window
• Made at a qualifying merchant category: restaurants, food delivery, or grocery stores
• The first qualifying transaction on that Match Day
• Successfully settled and not pending, reversed, refunded, or disputed

Merchant category eligibility is determined by the merchant classification recorded by the card network or processor at the time of the transaction. Some merchants — including certain delivery or marketplace platforms — may be classified under a category that does not qualify, even if they sell food or groceries. Ontop's determination of category eligibility is final.

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6. RESTRICTIONS

The following will not be considered for cashback:

• Transactions made outside the 24-hour Match Day activation window
• Transactions that are not the first qualifying purchase on a given Match Day
• Purchases at non-qualifying merchant categories
• Pending, reversed, refunded, or canceled transactions
• Transactions identified as fraudulent or abusive

Ontop reserves the right to disqualify any Participant suspected of attempting to manipulate or abuse the Campaign.

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7. MODIFICATION AND TERMINATION:

Ontop reserves the right to:

• Modify, suspend, or terminate the Campaign at any time
• Adjust eligibility criteria or cashback conditions

Any modifications will not affect transactions already completed and validated in compliance with these Terms.

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8. 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.

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9. ACCEPTANCE OF TERMS:

Participation in this Campaign constitutes full acceptance of these Terms and Ontop's General Terms and Conditions.

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10. GENERAL CONDITIONS:

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10.1 Validity

The Campaign will be valid only during the Campaign Period defined in these Terms.

10.2 Fraudulent Activity

Ontop reserves the right to cancel, suspend, or modify the Campaign and block a Participant's account if fraud or unlawful action is detected.

10.3 Eligibility

Ontop reserves the right to modify eligibility conditions or cancel the Campaign at any time at its sole discretion.

10.4 Limitation of Liability

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.

10.5 Governing Documents

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.

10.6 Governing Law and Dispute Resolution

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.

10.7 Tax Implications

Participants are solely responsible for any taxes or expenses associated with the cashback rewards.

10.8 Data Privacy

By participating in the Campaign, you consent to the collection and use of personal information as described in Ontop's Privacy Policy.

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