Ontop Legal Terms

Campaign Begins: Friday, November 27, 2026, 12:00 am (GMT-5)

Campaign Ends: Monday, November 30, 2026, 11:59 pm (GMT-5)

These Terms and Conditions (the “Terms”) govern the Black Friday & Cyber Monday Paycheck Advance campaign (the “Campaign”). Eligible Ontop workers who request a Paycheck Advance on one of the Offer Days may receive a 50% discount on the fee of that Paycheck Advance, up to a maximum of USD 15, subject to these Terms.

1. DEFINITIONS

1.1 “Offer Days” means (a) Friday, November 27, 2026 (“Black Friday”) and (b) Monday, November 30, 2026 (“Cyber Monday”), each from 12:00 am to 11:59 pm (GMT-5).

1.2 “Campaign Period” means the period that includes both Offer Days.

1.3 “Paycheck Advance” means the Ontop product that allows eligible workers to request an advance on their upcoming payment, subject to a fee.

1.4 “Fee” means the regular fee charged by Ontop for a Paycheck Advance.

1.5 “Eligible Worker” means an Ontop worker who meets the requirements in Section 2.

1.6 “Discount” means a 50% reduction of the Fee of a Paycheck Advance requested during an Offer Day, up to a maximum of USD 15.

1.7 “Ontop Wallet” means the worker’s wallet in the Ontop platform.

2. ELIGIBILITY

To be eligible, a worker must:

• Have an active Ontop account
• Have received the Campaign communication from Ontop
• Comply with Ontop’s General Terms and Conditions

3. CAMPAIGN MECHANICS

3.1 Each Offer Day is announced the day before. The Discount is the same on both Offer Days.

3.2 Eligible Workers receive a 50% Discount on the Fee of a Paycheck Advance requested during an Offer Day, within the hours stated in Section 1.1. Requests made outside those hours will not qualify.

3.3 The Discount is limited to a maximum of USD 15 per worker. If 50% of the Fee exceeds USD 15, the Discount will be USD 15 and the worker will pay the remaining Fee.

3.4 Each worker may take advantage of the Campaign on either Offer Day, but only once. Any additional Paycheck Advance is charged the regular Fee.

3.5 The Discount applies only to the Fee. It does not reduce the amount of the Paycheck Advance.

4. DISCOUNT PAYMENT

4.1 The Eligible Worker must pay the total Fee of the Paycheck Advance at the time of the request.

4.2 Ontop will credit the Discount to the worker’s Ontop Wallet on December 1, 2026.

4.3 The Discount is non-transferable and may not be exchanged for cash or other benefits.

4.4 Ontop reserves the right to verify the eligibility of each worker and each Paycheck Advance before crediting the Discount.

5. RESTRICTIONS

The following will not be considered:

• Paycheck Advances requested before or after the Offer Days, or outside the stated hours
• Workers who did not receive the Campaign communication
• Paycheck Advances that are canceled, rejected, or reversed
• Additional Paycheck Advances after the first one requested during the Campaign Period
• Any portion of the Discount exceeding USD 15

Ontop reserves the right to disqualify any worker suspected of attempting to manipulate or abuse the Campaign.

6. MODIFICATION AND TERMINATION

Ontop reserves the right to modify or suspend the Campaign, adjust validation criteria, or change eligibility conditions. Any modification will not affect Discounts already earned in compliance with these Terms.

7. 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.

8. ACCEPTANCE OF TERMS

Participation in this Campaign constitutes full acceptance of these Terms and Ontop’s General Terms and Conditions.

9. GENERAL CONDITIONS OF CAMPAIGN

9.1 Validity: The Campaign is valid only during the Offer Days.

9.2 Fraudulent Activity: Ontop reserves the right to cancel, suspend, or modify the Campaign and to block a worker’s account if fraud or unlawful action is detected in order to obtain additional benefits.

9.3 Limitation of Liability: By participating, workers 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.

9.4 Governing Documents: Please refer to the Ontop Platform Terms, including the Remote Worker General Terms and Conditions and the Privacy Policy, which govern matters not covered in these Terms.

9.5 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 governing documents.

9.6 Tax Implications: Workers are solely responsible for any taxes or expenses associated with the Discount.

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