By participating in the Program, each Participant acknowledges and agrees to these Promotion Terms and, as applicable, the terms and conditions governing the relevant Ontop products and services, including Ontop's General Terms and Conditions and Global Account Terms and Conditions .
Program Begins: September 23, 2026, 12:00 AM Eastern Time Program Ends: September 30, 2026, 11:59 PM Eastern Time
These terms and conditions ("Terms") govern the "iPhone 18 Raffle Week" promotion, part of the Ontop Growth Incentives initiative ("Program"), organized by Ontop ("us", "we", or "Ontop").
1.1 "Program Period" means the period between September 23, 2026, 12:00 AM Eastern Time, and September 30, 2026, 11:59 PM Eastern Time.
1.2 "Global Account" refers to the Ontop Global Account product, made available to individuals under either a Payroll account arrangement or a Personal account arrangement.
1.3 "Qualifying Funding Action" means the deposit of at least one hundred United States Dollars (USD $100) into a Participant's Global Account during the Program Period.
1.4 "Qualifying Referral" means the successful referral, by a Segment C Participant, of an individual who (a) did not previously hold a Global Account, (b) completes Global Account activation during the Program Period as a direct result of that referral, and (c) is determined by Ontop, at its sole discretion, to be a genuine prospective user rather than an individual referred solely to satisfy the requirements of this Program.
1.5 "Cashback" refers to the credit described in Section 3, granted to a Participant who satisfies the applicable Qualifying Conditions.
1.6 "Promotional Drawing" means a random drawing conducted by Ontop among eligible Participants for the award of a Prize in connection with the Program.
1.7 "Prize" means one (1) of three (3) Apple iPhone 18 devices, of the model and specifications designated by Ontop, or the cash equivalent of such device as set forth in Section 4.6.
2.1 Segment A — Incomplete Account Activation. An individual who began, but had not completed, Global Account signup prior to the start of the Program Period, and who completes account activation and a Qualifying Funding Action during the Program Period.
2.2 Segment B — Lapsed Account. An individual who previously held a Global Account (whether under a Payroll or Personal account arrangement) that was inactive as of the start of the Program Period, and who completes a Qualifying Funding Action during the Program Period.
2.3 Segment C — Ontop Team Members. A current Ontop employee or contractor who completes one or more Qualifying Referrals during the Program Period who reside in jurisdictions where participation in the Program is permitted by applicable law and where the Global Account is available. Participation is subject to these Terms and all applicable laws..
2.4 Ineligibility. An individual holding an active, currently-in-use Global Account (whether Payroll or Personal) as of the start of the Program Period is not eligible to participate as a Segment A or Segment B Participant, and is not entitled to any Cashback or Promotional Drawing entry under this Program, regardless of any funding activity during the Program Period.
3.1 Segment A / Segment B. A Participant who completes a Qualifying Funding Action receives a one-time Cashback of fifty United States Dollars (USD $50), credited to the Participant's Global Account.
3.2 Segment C. A Participant who completes three (3) Qualifying Referrals receives a one-time Cashback of one hundred United States Dollars (USD $100), credited to the Participant's Global Account. This Cashback is independent of, and in addition to, any standing referral reward available under Ontop's evergreen referral program.
3.3 Delivery Timing. Cashback is credited within two (2) to three (3) business days following Ontop's verification of the applicable Qualifying Funding Action or Qualifying Referral(s).
3.4 One-Time Reward. Cashback under this Program is a one-time reward per Participant. Additional funding above the USD $100 threshold, or referral of more than three (3) individuals, does not entitle a Participant to more than one Cashback under Section 3.1 or 3.2, respectively.
3.5 Form of Delivery. Cashback is delivered exclusively as a credit to the Participant's Global Account. It is not paid in cash, is not transferable to any third party, and may not be redeemed, exchanged, or converted into cash by any means.
4.1 Entries. A Segment A or Segment B Participant is automatically entered into the Promotional Drawing upon completing a Qualifying Funding Action. A Segment C Participant is automatically entered upon completing at least one (1) Qualifying Referral.
4.2 One Entry Per Participant. A Participant may receive only one (1) Promotional Drawing entry under this Program, regardless of the number of Qualifying Funding Actions or Qualifying Referrals completed.
4.3 Winner Selection. Three (3) winners will be selected by random drawing among all eligible entries, conducted on or promptly after October 1, 2026.
4.4 Notification. Winners will be notified through Ontop's official communication channels, which may include in-app push notification, email, or WhatsApp.
4.5 Unclaimed Prizes. If a selected winner does not respond to Ontop's notification within twenty-four (24) hours after the notification is sent, the Prize is automatically forfeited. The winner will have no right to receive the Prize, and Ontop will have no obligation to select an alternate winner or otherwise redistribute the unclaimed Prize.
4.6 Prize Terms. The Prize may be delivered as a cash award equal to the value of the designated Apple iPhone 18, as communicated in the applicable promotional materials. No physical device will be delivered. The Prize is non-transferable and may be subject to applicable taxes.
4.7 Apple Disclaimer. Apple Inc. (“Apple”) is not a sponsor of, does not endorse, administer, or otherwise participate in this Program. This Program is not affiliated with, sponsored by, endorsed by, or administered by Apple. Apple is not responsible for the administration of this Program or for the selection or delivery of any Prize. Apple and iPhone are trademarks of Apple Inc., registered in the United States and other countries and regions.
5.1 Ontop reserves the right to modify, suspend, or terminate this Program, in whole or in part, at any time and for any reason, including in the event of suspected fraud or abuse.
5.2 Ontop's determination of Participant eligibility, satisfaction of the Qualifying Conditions, and Promotional Drawing outcomes is final, based on Ontop's internal records, absent manifest error.
5.3 This Program is independent of, and does not modify, the standing terms of Ontop's Global Account activation incentive ladder (governing the 1-month Reserve, 15% first purchase cashback, and 5% first paycheck rewards) or Ontop's evergreen referral program.
5.4 Geographic Availability the program is available only in countries where Ontop and the relevant products and services are legally and operationally available.
Participation remains subject to applicable laws, regulatory restrictions, sanctions requirements, identity verification, know-your-customer procedures and Ontop's internal compliance policies.
5.5 Prohibited Conduct
Participants may not:
a. submit duplicate, false, incomplete or misleading registrations;
b. create or use multiple accounts, or close and reopen accounts, to obtain the same benefit more than once;
c. manipulate the landing-page registration, identification or attribution process;
d. transfer, sell or assign a promotional benefit; or
e. use the Program for fraudulent, abusive or unlawful purposes.
Ontop reserves the right to:
Any modifications will not affect requests already disbursed and validated in compliance with these Terms.
Participation in this Campaign implies consent for Ontop to process personal data 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.
9.1 Validity
The Campaign will be valid only during the Campaign Period defined in these Terms.
9.2 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.
9.3 Eligibility
Ontop reserves the right to modify eligibility conditions or cancel the Campaign at any time at its sole discretion.
9.4 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.
9.5 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.
9.6 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.
9.7 Tax Implications
Participants are solely responsible for any taxes or expenses associated with the cashback reward.
9.8 Data Privacy
By participating in the Campaign, you consent to the collection and use of personal information as described in Ontop's Privacy Policy.
