ONTOP FUTURE FUND TERMS OF SERVICE
Last updated: December 5, 2025
These Ontop Future Fund Terms and Conditions (“Terms”) govern the optional service through which eligible users (“Workers” or “You”) may temporarily provide funds to Ontop Holdings Inc. ("Ontop", "we", "us") to obtain variable reward credits (“Rewards”). By activating or using the Ontop Future Fund Service (“Future Fund Service” or the “Service”), you confirm that You have read, understood, and accepted these Terms. These Terms form a binding agreement between you and Ontop Holdings Inc. ("Ontop", "we", "us") and pursuant to Section 6.4 of the Ontop Platform General Terms and Conditions for Workers (“Worker T&Cs”), and in addition to and incorporated by reference, including but not limited to, the following existing agreements and policies:
These policies and declarations, as updated from time to time, form an integral part of your agreement with Ontop.
These Terms form part of and supplement the Worker Terms, and any capitalized terms not defined herein shall have the meaning ascribed to them in the Worker T&Cs.
The Future Fund Service is a voluntary loan arrangement through which Workers may choose to temporarily loan funds to Ontop in exchange for Rewards. By choosing to use the Service, You understand and agree that You are loaning funds to Ontop, entirely at your discretion, and that upon doing so, Ontop may use, pledge, on-lend, or otherwise dispose of loaned funds in its discretion, including entering into agreements with third-party partners. You do not retain any property or custodial interest in funds while they are in the Pocket.
You may voluntarily choose to allocate funds from your Worker Wallet to your Future Fund balance (the “Pocket”).
You may request a Pocket withdrawal to your Worker Wallet at any time. Ontop will use commercially reasonable efforts to return the funds to your Wallet within 1 business days. During market stress, operational incidents, or regulatory events, Ontop may extend the withdrawal timeline as reasonably necessary.
From time to time, Ontop may grant promotional Rewards on outstanding Pocket balances.
2.4 Minimum and Maximum Funding
You may only fund your Future Fund Balance within the limits established by Ontop from time to time. Ontop may set minimum and maximum amounts that You are permitted to loan, whether per transaction or in aggregate. Ontop may modify these limits at its discretion based on operational, regulatory, or risk considerations, and such changes will apply prospectively. You are responsible for ensuring that any funding request complies with the limits in effect at the time of the transaction. Ontop may also set program-level caps (aggregate Pocket size) and may decline additional funding at any time.
Ontop may terminate, suspend, or modify the Service in its sole discretion.
This Service is not an investment product, savings product, brokerage service, advisory service, or securities-related service, and it does not involve the issuance, offer, or sale of securities, financial instruments, or participations of any kind. Ontop does not provide investment or financial advice, brokerage, portfolio management, or fiduciary services, does not evaluate your personal financial situation or risk profile, and does not make recommendations regarding whether You should or should not participate in the Service, and does not solicit or effect securities transactions. You are solely responsible for assessing whether participation in the Future Fund Service is suitable for your personal circumstances, and You should seek independent advice.
4.3 No Guarantee of Fixed Rewards.
You acknowledge and agree that Ontop does not guarantee any fixed or minimum Reward rate, nor does it assure that Rewards will remain constant over time. Rewards are variable and may fluctuate based on market conditions, third-party arrangements, and other factors outside of Ontop’s control.
4.4 Conflicts/Compensation.
Ontop may receive fees, rebates, or other consideration from third parties in connection with Pocket allocations. Such amounts are retained by Ontop and are not shared with you.
To use the Service, You must:
(a) be an active Ontop Worker with a Worker Wallet;
(b) be legally able to enter into a loan agreement;
(c) not be a U.S. Person or located in a jurisdiction where the Service is restricted or prohibited;
(d) and be legally able to make an unsecured loan to Ontop under your local law.
Ontop may refuse or terminate access at its discretion.
Rewards depend on Ontop’s performance and third-party arrangements. Ontop does not guarantee any minimum payment or expected return. Pocket is an unsecured loan to Ontop; if Ontop becomes insolvent, you may lose some or all of your Pocket balance.
Withdrawals may experience delays due to market stress, operational, or third-party issues. Ontop may transact with third parties that default or impose gates or waterfalls that delay recovery. Ontop shall not be liable for such delays.
You acknowledge that by loaning funds to Ontop, You assume the risk that Rewards may vary or be discontinued. You acknowledge that the Services carry risk and that returns can go up or down.
6.4 Suspension or Change
Ontop may have the discretion to suspend or terminate the Service at its sole discretion. Changes in laws may also require suspension or modification of the Service. Ontop shall not be liable for such discontinuation, suspension, change, or termination of Services.
Pursuant to Section 3.3 of the Workers T&Cs, the Future Fund Services are designated as Beta Test Services, and IT SHALL NOT BE CONSIDERED “SERVICES” UNDER THESE FUTURE FUND TERMS AND THE WORKERS T&CS AND ARE PROVIDED “AS IS” WITH NO EXPRESS OR IMPLIED WARRANTY. Features, fees, and service parameters may materially change prior to the general release. Continued access is not guaranteed.
6.1 Future Fund Balances are:
You acknowledge that:
7.1 Suspension or Termination of Access by Ontop. Ontop reserves the right to suspend, terminate, or limit your access to the Service at any time for reasons including, but not limited to, your breach of the Worker T&Cs, suspected fraud or illegal activity, requests by law enforcement or regulators, or any risk management or security concerns. Ontop will provide you notice of any such suspension or termination of service access when reasonably practicable, in accordance with the notification provisions of the Platform Terms. Suspension or termination of the Services may also occur if Ontop decides to discontinue the Service from the Ontop platform.
7.2 Gating, Extensions, or Regulatory Suspensions. Ontop may implement temporary withdrawal gates, pro-rata withdrawals, or processing windows during market stresses, operational incidents, or third-party disruptions. Ontop will act in good faith and resume normal processing as conditions permit. Additionally, Ontop may suspend the Services immediately if required or reasonably advisable to comply with law, regulators, requests, or sanctions obligations.
7.2 Effect of Suspension or Termination by Ontop. If Ontop suspends or terminates your access to the Future Fund Service, this does not affect your Worker Wallet or any other Ontop Services you may use. In the event of a suspension or termination of the Future Fund Service, Ontop will return the full amount of your Future Fund Balance, including any Rewards accrued up to the suspension or termination date, directly to your Wallet. During suspension or termination, Ontop will prioritize the return of the Pocket principal first, followed by any posted Rewards accrued.
8.1 To the maximum extent permitted by applicable law, Ontop disclaims all liability for:
8.2 No Guarantee of Rewards. Ontop does not guarantee the payment, amount, continuity, or stability of any Rewards under the Future Fund Service. Reward rates are variable and may change at any time based on market conditions, Ontop’s business performance, third-party arrangements, or other factors outside of Ontop’s control. You acknowledge that Ontop is not responsible for the yield, performance, or outcome of any activity through which Ontop may use the funds You choose to loan. You fully assume the risk that Rewards may be lower than expected, may fluctuate, or may be discontinued altogether, and that participation in the Future Fund Service does not assure any specific return or profit.
8.3 Service Interruptions and Technical Issues. Ontop will not be liable for any delays, interruptions, failures, or errors in executing the Services-related to third party transactions or in displaying updated account information that result from any technical issues, system downtime, communication failures, or other incidents beyond Ontop’s reasonable control. This includes unavailability of the Ontop platform or malfunctions in banking networks or payment systems.
8.4 Aggregate Liability Cap TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL WE (OR ITS SUPPLIERS) BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY LOST PROFITS, LOST DATA, COSTS OF PROCUREMENT OF SUBSTITUTE PRODUCTS, OR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES ARISING FROM OR RELATING TO THESE TERMS OR YOUR USE OF OR INABILITY TO USE OUR PLATFORM AND/OR WORKER SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. ACCESS TO AND USE OF OUR PLATFORM AND/OR WORKER SERVICES IS AT YOUR OWN DISCRETION AND RISK, AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR DEVICE OR COMPUTER SYSTEM OR RESULTING LOSS OF DATA.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED IN THESE TERMS, OUR LIABILITY TO YOU FOR ANY AND ALL DAMAGES ARISING FROM OR RELATED TO THESE TERMS, WALLET TERMS, CARD TERMS, AND ANY OTHER TERMS OF SERVICE RELATING TO SERVICES PROVIDED BY ONTOP OUR TOTAL LIABILITY TO YOU FOR ANY AND ALL CLAIMS, DAMAGES, OR LOSSES (FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE CAUSE OF ACTION OR LEGAL THEORY), SHALL AT ALL TIMES BE LIMITED TO A MAXIMUM OF ONE HUNDRED US DOLLARS (US $ 100.00). THIS LIMITATION APPLIES EVEN IF MULTIPLE CLAIMS ARISE. YOU ALSO AGREE THAT OUR SUPPLIERS SHALL HAVE NO LIABILITY WHATSOEVER ARISING OUT OF OR RELATING TO THESE TERMS.
YOU AGREE THAT ANY CLAIM OR DISPUTE ARISING FROM YOUR USE OF THE WORKER SERVICES MUST BE SUBMITTED TO ONTOP WITHIN NINETY (90) DAYS OF THE RELEVANT EVENT. FAILURE TO DO SO WILL RESULT IN A WAIVER OF YOUR RIGHT TO RAISE THAT CLAIM. THIS LIMITATION DOES NOT APPLY WHERE PROHIBITED BY LAW.
SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU.
9.1 Responsibility for Taxes. You are solely responsible for understanding and fulfilling all tax obligations arising from any Reward. Ontop does not withhold taxes (unless explicitly required by law) and does not report tax information on your behalf to authorities. You should keep your own records of any Rewards for tax reporting purposes. It is your responsibility to report taxable income to the appropriate tax authorities and pay any due taxes in your jurisdiction. Please consult your tax advisor.
9.2 No Tax Advice. Ontop does not provide tax advice or guidance, and nothing in the Ontop platform or these Terms should be considered tax advice. Tax treatment of taxable income can vary based on your personal circumstances and local law.
9.3 Legal Requirement. Where required by law, Ontop may provide informational tax reporting and may withhold taxes. You will provide forms reasonably requested by Ontop to determine withholding or reporting obligation, if applicable, and/or requested by Ontop.
10. Governing Law
10.1 Applicable Law. These Future Fund Terms shall be governed by and construed in accordance with the same governing law specified in the Workers T&Cs.
10.2 Consistency with Platform Terms. Any dispute arising under or relating to these Future Fund Terms will be resolved according to the dispute resolution mechanisms (such as arbitration or court jurisdiction) set forth in the Workers T&Cs, which are incorporated herein by reference. In case of any inconsistency between the dispute resolution terms in the general Platform Terms and any provision in these Future Fund Terms, the provisions in the Worker T&Cs shall prevail, as these Future Fund Terms are intended to complement (not replace) the Workers T&Cs.
11.1 Updates and Changes. Ontop may modify or update these Future Fund Terms from time to time to reflect changes in the service, legal requirements, or other relevant factors. When we make material changes, we will revise the effective date at the top of this document (as Last Updated). We will notify you of the upcoming changes through the Ontop platform interface, email, or other reasonable means.
11.2 Notice and Acceptance of Changes. We will provide advance notice of any material changes to the Future Fund Terms whenever feasible. It is your responsibility to review any updated Future Fund Terms that are communicated to you. If you continue to access the Service after the effective date of the updated terms, such continued use will constitute your acceptance of the revised Future Fund Terms.
11.3 No Retroactive Changes. Any changes to these Future Fund Terms will not apply retroactively. Changes will only apply from the effective date forward. However, changes required by law may become effective immediately if necessary or as stipulated by law. Ontop will not materially reduce your rights under these Future Fund Terms without your consent, except as part of updates that you accept by continuing to use the service.
11.4 Change Opt-Out. For any material adverse change, you may withdraw your entire Pocket balance fee-free before the change effective date.
If you have any questions, concerns, or feedback regarding these Future Fund Terms, please contact Ontop at support@getontop.com. We encourage you to reach out with any inquiries about how Service works, the roles of Ontop and other third-party partners, or to report any problems.
