Campaign Begins: Wednesday, August 19, 2026, 00:00 (UTC)
Campaign Ends: Monday, August 31, 2026, 11:59 pm (UTC)
These Terms and Conditions (the "Terms") govern the Ontop Reactivation — Paycheck Advance Fee Cashback 50% campaign (the "Campaign"). Eligible reactivated users (those with at least one Paycheck Advance request on record before August 1, 2026, and with a maximum of 2 prior requests on their record) who receive the campaign communication and submit a new request during the Campaign Period will have the standard fee charged in full (100%) at the moment of disbursement. A cashback equal to 50% of the fee paid will be credited to their Ontop Global Account on Tuesday, September 1, 2026.
1. DEFINITIONS
1.1 "Campaign Period"
Between Wednesday, August 19, 2026, 00:00 (UTC) and Monday, August 31, 2026, 11:59 pm (UTC).
1.2 "Paycheck Advance" (formerly "Quick")
The Ontop Earned Wage Access (EWA) product through which eligible Workers may request an advance on wages already earned, subject to Ontop's standard eligibility, risk, and disbursement rules.
1.3 "Reactivated User"
A user who:
- Has at least one Paycheck Advance request on record submitted before August 1, 2026
- Has made a maximum of 2 Paycheck Advance requests in total, counting only requests prior to the Campaign Period
1.4 "Eligible Request"
A Paycheck Advance request that is:
- Submitted by a Reactivated User, as defined in 1.3
- The only request submitted by that user during the Campaign Period (the cashback applies once, to the first request the user submits within the Campaign)
- Approved and disbursed in accordance with Ontop's standard Paycheck Advance eligibility and risk criteria
- Charged the standard fee in full (100%) at the moment the advance is disbursed — this charge may occur at a time different from when the request was submitted, and even in a month different from the Campaign, depending on the applicable disbursement date. The Participant acknowledges that the fee will be charged when applicable based on disbursement, with no discount applied; the cashback benefit is granted on the agreed crediting date regardless of the month in which the fee was charged
1.5 "Participant(s)"
Ontop users who:
- Meet the definition of Reactivated User (1.3)
- Receive the initial campaign communication
- Submit an Eligible Request during the Campaign Period
- Comply with these Terms
1.6 "Reward"
A cashback equal to 50% of the fee paid on the Participant's Eligible Request. It is credited on Tuesday, September 1, 2026, to the Participant's Ontop Global Account, as described in Section 3.
2. CAMPAIGN RULES
To qualify for the Reward, Participants must:
- Be Reactivated Users (request prior to August 1, 2026, and a maximum of 2 requests on record)
- Have an active Ontop account
- Have received the initial campaign communication
- Submit an Eligible Request during the Campaign Period
- Have the request approved and disbursed under Ontop's standard Paycheck Advance terms
- Comply with Ontop's General Terms and Conditions and the Paycheck Advance terms
- Not be excluded under the condition in Section 6.1
3. ENTRY MECHANICS
At the moment the advance is disbursed, the Participant is charged 100% of the standard Paycheck Advance fee on the full advance amount. This charge may occur at a time later than when the request was submitted, and even in a month different from the Campaign, depending on the applicable disbursement date. The Participant acknowledges and agrees that the fee will be charged when applicable based on disbursement, with no discount applied.
Regardless of the month in which the fee is charged, a cashback equal to 50% of the fee charged is credited to the Participant's Ontop Global Account on September 1, 2026, provided the request was submitted within the Campaign Period and meets the other requirements of these Terms.
This cashback applies once, to the first request the Participant submits during the Campaign Period.
Requests submitted outside the Campaign Period will not qualify for the cashback.
4. REWARD DISTRIBUTION
Eligible Participants will automatically receive their cashback to their Ontop Global Account on September 1, 2026.
There are no special crediting dates outside the one indicated.
Ontop reserves the right to verify the eligibility of each request and Participant before issuing the cashback.
The cashback is non-transferable and may not be exchanged for other benefits.
5. ELIGIBILITY AND VALIDATION
Only requests that meet the following criteria will be considered:
- Submitted by a Reactivated User (request prior to August 1, 2026, maximum of 2 requests on record), within the Campaign Period
- Approved and disbursed under standard risk/eligibility criteria
- Fee charged in full (100%) at the moment of disbursement, regardless of the month in which that disbursement occurs
- The Participant's first and only request within the Campaign Period
- Participant not excluded under Section 6.1
6. RESTRICTIONS
The following will not be considered:
- Requests submitted before or after the Campaign Period
- Requests rejected or not disbursed
- Requests identified as fraudulent or abusive
- Participants with another Quick/Paycheck Advance campaign or promotion active at the same time
- Requests from users who do not qualify as Reactivated (no request prior to August 1, 2026, or more than 2 requests on record)
- More than one request per user within the Campaign Period (the cashback applies only to the first)
6.1 Inactive Contract as of the Crediting Date
If, as of the cashback crediting date (September 1, 2026), the Participant does not have an active contract with Ontop and the advance corresponding to the Eligible Request has not yet been deducted/collected, the cashback will not be granted on that crediting date.
It is not necessary for the advance to have been paid or deducted in order to receive the cashback — this exclusion condition applies only when the Participant does not have an active contract as of the crediting date. If the Participant has an active contract, they receive the cashback regardless of the advance's repayment status.
Ontop reserves the right to disqualify any Participant suspected of attempting to manipulate or abuse the Campaign.
7. MODIFICATION AND TERMINATION
Ontop reserves the right to:
- Modify, suspend, or terminate the Campaign at any time
- Adjust the cashback percentage, the crediting date, or other reward conditions
Any modifications will not affect requests already disbursed and validated in compliance with these Terms.
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.
9. ACCEPTANCE OF TERMS
Participation in this Campaign constitutes full acceptance of these Terms and Ontop's General Terms and Conditions.
10. GENERAL CONDITIONS
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.
