Effective Date: Ongoing / Subject to Program Launch
Governing Product: Ontop Card (Physical & Digital)
These Terms and Conditions (the “Terms”) govern the Ontop Card Firsts Program (the “Program”). By participating in the Program or claiming any associated Rewards, Participants agree to be bound by these Terms and Ontop’s General Terms and Conditions.
1. DEFINITIONS
1.1 “Program”
Means the Ontop Card Firsts reward and milestone initiative designed to incentivize adoption and usage of the Ontop Card.
1.2 “Ontop Card”
Means the physical or digital card issued by Ontop and linked to a user’s Ontop Wallet.
1.3 “Badge” (or “Moment”)
Means a specific account or transaction milestone achieved by a Participant using their Ontop Card, as enumerated in Section 3.2.
1.4 “Golden Vault”
Means the master milestone unlocked exclusively when a Participant successfully completes and earns all individual Badges within the Program.
1.5 “Claim Window”
Means the strict period of fifteen (15) calendar days starting from the exact timestamp a Badge is earned and unlocked, during which the Participant must engage in the action that unlocks the reward.
1.6 “Reward”
Means any financial credit, cashback, perks, or benefits awarded for claiming an unlocked Badge. Recreations or adjustments of Rewards are held at Ontop's sole discretion.
1.7 “Participant”
Means an active Ontop user who unlocks one or more Badges under this Program.
2. PROGRAM ELIGIBILITY
To participate in the Program, users must:
• Maintain an active, verified Ontop account in good standing.
• Hold or activate an eligible Ontop Card (Physical or Digital).
• Comply at all times with Ontop’s General Terms and Conditions and Cardholder Agreements. Note: Accounts subject to fraud investigations, chargebacks, suspension, or compliance blocks are strictly ineligible to earn, claim, or receive Rewards under this Program.
3. PROGRAM MECHANICS & BADGES
3.1 Unlocking & Notifications
When a Participant completes a qualifying event, the corresponding Badge is automatically unlocked. Unlocking of Badges will be officially announced to the Participant via Push Notification sent through the Ontop mobile application.
3.2 Moments / Badges Catalog
Participants can unlock Badges by reaching the following specific usage milestones:
Card Milestones & Triggers
4. REWARD DISCRETION, CLAIMING, AND CREDITING
4.1 Ontop’s Discretion over Rewards
Ontop reserves the absolute right and discretion to determine, adjust, modify, or change the nature, value, type, or availability of any Reward associated with any Badge at any time, without prior notice. Unlocking a Badge entitles the user to the active Reward allocated by Ontop at the time of claim, which may vary across regions, user segments, or promotional periods.
4.2 The 15-Day Claim Window
• Automatic Validation: The entire detection, tracking, and Reward registration process is fully automated within the Ontop system.
• 15-Day Claim Window: From the moment a Badge is unlocked, the system automatically validates and registers the Reward eligibility. The user has fifteen (15) calendar days from the timestamp of unlocking to finalize any required action (if prompted) or allow the automated validation to settle.
If the required conditions are not effectively met or validated within the 15-calendar-day window, the system automatically marks the Reward as expired.
4.3 Monthly Crediting Schedule
• Rewards are not paid out immediately upon claiming.
• All validly claimed Rewards accumulate during the current calendar month and are credited in full on the first (1st) day of the following calendar month.
• Example: If a Participant unlocks and claims Badges on May 3rd and May 20th, both corresponding Rewards will be processed and credited to the Participant’s Ontop Wallet on June 1st.
5. RESTRICTIONS & PROHIBITED CONDUCT
• Qualifying Transactions: Only legitimate, settled commercial card purchases qualify towards Badge progression.
• Exclusions: Cash transfers, peer-to-peer (P2P) payments, wallet-funding transfers to self, refunds, reversed transactions, circular transactions, and self-payments are strictly excluded from Badge mechanics.
• Anti-Abuse & Fraud: Any attempt to manipulate transaction counts, artificially split purchases, engage in manufactured spend, or exploit system vulnerabilities will result in immediate disqualification from the Program, forfeiture of all claimed and unclaimed Rewards, and potential suspension of the user's Ontop account.
6. MODIFICATION AND TERMINATION
Ontop reserves the right, at its sole discretion, to:
• Modify, extend, pause, or terminate the Program or any individual Badge at any time.
• Alter Badge requirements, eligibility criteria, or claim mechanisms.
Changes will take effect immediately upon publication. Adjustments will not affect validly claimed Rewards that have already been scheduled for monthly payout, provided the underlying transactions remain valid.
7. GENERAL CONDITIONS
7.1 Personal Data: Participation implies consent for Ontop to process relevant personal and transaction data strictly for Program delivery, tracking, and fraud prevention, in accordance with Ontop’s Privacy Policy.
7.2 Limitation of Liability: Ontop is not liable for technical glitches, failed push notifications due to device settings, network disruptions, or third-party merchant processor delays that prevent a Badge from unlocking or being claimed on time.
7.3 Tax Responsibility: Participants are solely responsible for any tax liabilities, reporting, or obligations that may arise from receiving Rewards.
7.4 Governing Law: These Terms are governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict-of-law principles.
7.5 Governing Documents: In the event of any conflict, Ontop’s General Terms and Conditions shall prevail over these Program Terms.
