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Fund & Earn Program – Terms and Conditions

May 15, 2026
1. Program Overview πŸͺ‚

The Global Account Rewards Program allows eligible users to earn monetary rewards in USDc by performing specific actions within their Ontop Global Account, including receiving payments.

The Program is designed to incentivize the use of Ontop as a primary income and financial hubThe Fund & Earn Program allows eligible Ontop Payroll users to unlock rewards by funding their Personal Account (USDc) with external deposits.

The Program is designed to encourage Payroll users to adopt and actively use the Ontop Global Account ecosystem beyond payroll.

For purposes of these Terms, β€œUSDc” refers to the USDc denominated balance made available within the Ontop Personal Account and reflected in Ontop’s systems, which may be supported through different rails, partners, and/or networks as determined by Ontop.

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2. Eligibility 🎟️

To participate, users must:

  • Have an active Ontop Global Account
  • Be an active Payroll user on Ontop
  • Have access to a Personal Account (USDc)
  • Complete any required identity verification or onboarding steps
  • Receive communication about the Program from Ontop

Ontop reserves the right to approve, reject, or remove participants at its sole discretion.

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3. Rewards Structure πŸ’Έ

Participants may unlock rewards based on the number of eligible external deposits completed during the Program period, as communicated by Ontop through official channels (e.g., email, in-app messages, or applicable landing pages). Ontop may modify, suspend, or terminate the Program (and the Program period) at any time.

Eligible Deposits of $50+Reward

  1. USD $10
  2. USD $20 total
  3. USD $35 total

Rewards are cumulative up to a maximum total reward of USD $35 per eligible participant.

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4. Valid Activity 🧾

To qualify:

  • Deposits must be external deposits into the Participant’s Personal Account (USDc)
  • Each eligible deposit must be at least USD $50
  • Deposits must be completed through supported Ontop funding methods

Eligible methods include:

  • Bank transfer
  • Wire transfer
  • Crypto deposits
  • Third-party payments
  • Request Payment transactions

The following do NOT qualify:

  • Transfers from Payroll balances
  • Internal Ontop transfers
  • Reversed or canceled transactions
  • Fraudulent or suspicious activity

Only completed and validated deposits will be considered. For purposes of the Program, an β€œeligible deposit” means a single external deposit transaction credited to the Participant’s Personal Account (USDc) in an amount of at least USD $50 (or equivalent as reflected in Ontop’s systems).

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5. Verification Process πŸ”

Ontop may verify qualifying activity through internal systems.

If automatic verification is not possible, Ontop may request additional information or supporting documentation.

Rewards will only be granted after successful validation.

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6. Reward Payout πŸ’³
  • Rewards are not issued instantly
  • Rewards are subject to validation and approval
  • Approved rewards are expected to be processed within 15 business days after validation, however processing times may vary due to compliance checks, operational constraints, or technical issues.

Ontop reserves the right to delay, deny, reverse, or withhold rewards in cases of:

  • fraud
  • abuse
  • suspicious activity
  • operational errors
  • violations of these Term
7. Restrictions and Prohibited Conduct 🚫

Participants must not:

  • Simulate fake deposits
  • Transfer funds between accounts under their control solely to obtain rewards
  • Manipulate funding behavior to abuse the Program
  • Provide false or misleading information

Ontop reserves the right to:

  • deny rewards
  • reverse rewards
  • suspend participation
  • terminate eligibility

in cases of fraud, abuse, or violations of these Terms.

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9. Governing Documents and Policies πŸ“„

9.1 πŸ’» Participant General Terms and Conditions

The Global Account and Ontop Pay Terms and Conditions govern Ontop Services to its Workers in general (β€œClient T&Cs”). Any definitions that are not defined by these Terms will have the meanings ascribed to them in the Client T&Cs.

9.2 πŸ” Privacy Policy

The Ontop Privacy Policy provides information on how Ontop collects, processes, uses, retains and discloses personal data and/or other information that it receives from Participants that sign up for this Program. Participants acknowledge and understand that Ontop may collect, process, use, retain and disclose User personal data and/or other information pursuant to Ontop’s Privacy Policy, as updated from time to time.

9.3 🧺 AML Policy

Your access to the Program is also subject to our Anti-Money Laundering Policy.

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10. Term and Termination β³βœ‚οΈ

Ontop reserves the right to:

  • modify
  • pause
  • limit
  • extend
  • or terminate

the Program at any time

11. General πŸͺ–‍

11.1 πŸ”€ Changes

These Terms are subject to occasional revision, and if we make any substantial changes, we may notify you by sending you an email to the last email address you provided to us (if any), and/or by prominently posting notice of the changes on our website. You are responsible for providing us with your most current email address. In the event that the last email address that you have provided us is not valid, or for any reason is not capable of delivering to you the notice described above, our dispatch of the email containing such notice will nonetheless constitute effective notice of the changes described in the notice. Any changes to these Terms will be effective immediately. Continued participation in the Program following notice of such changes shall indicate your acknowledgement of such changes and agreement to be bound by the terms and conditions of such changes.

11.2 βš–οΈ Governing Law

These Terms and Conditions will be governed and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions. Each party irrevocably agrees that the state and federal courts in Miami-Dade County, Florida will have jurisdiction to settle any such dispute or claim.

11.3 Electronic Communications

The communications between you and Ontop use electronic means. For contractual purposes, you consent to receive communications electronically and agree that such communications satisfy any legal requirement.

11.4 Entire Terms

These Terms constitute the entire agreement between you and Ontop regarding the Program.

11.5 Acceptance of Terms

By participating in the Program, you acknowledge that you have read, understood, and agreed to these Terms.

11.6 πŸ“₯ Contact Information

Mailing Address: 251 Little Falls Drive, Wilmington, New Castle County, Delaware, 19808

Support: acquisition@getontop.com

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