Campaign Begins: Monday, November 9, 2026, 12:00 am (GMT-5)
Campaign Ends: Friday, November 20, 2026, 11:59 pm (GMT-5)
These Terms and Conditions (the “Terms”) govern the First Paycheck Advance: Spend It campaign (the “Campaign”). Eligible Ontop workers who request their first Paycheck Advance during the Campaign Period and spend at least 80% of it with their Ontop Card before receiving their next paycheck, and in any case by November 30, 2026, may have the Fee refunded, up to a maximum of USD 30, subject to these Terms.
1. DEFINITIONS
1.1 “Campaign Period” means the period between November 9, 2026, at 12:00 am (GMT-5) and November 20, 2026, at 11:59 pm (GMT-5).
1.2 “Spending Deadline” means 11:59 pm (GMT-5) on the date the worker receives the next paycheck following the Qualifying Paycheck Advance, or November 30, 2026, whichever occurs first.
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 fee charged by Ontop for a Paycheck Advance.
1.5 “Ontop Card” means the prepaid card (physical or digital) issued by Ontop and linked to the worker’s Ontop Wallet.
1.6 “Qualifying Paycheck Advance” means the first Paycheck Advance ever requested by an Eligible Worker, provided it is requested during the Campaign Period.
1.7 “Qualifying Spending” means the total value of purchases made with the Ontop Card after the Qualifying Paycheck Advance is requested and up to the Spending Deadline, that are successfully completed and settled (not pending, reversed, refunded, canceled, or disputed).
1.8 “Spending Threshold” means an amount of Qualifying Spending equal to at least eighty percent (80%) of the amount of the Qualifying Paycheck Advance.
1.9 “Refund” means the refund of the Fee of the Qualifying Paycheck Advance, up to a maximum of USD 30.
1.10 “Eligible Worker” means an Ontop worker who meets the requirements in Section 2.
1.11 “Ontop Wallet” means the worker’s wallet in the Ontop platform.
To be eligible, a worker must:
3. CAMPAIGN MECHANICS
3.1 To receive the Refund, the Eligible Worker must:
(a) request the Qualifying Paycheck Advance during the Campaign Period; and
(b) reach the Spending Threshold with the Ontop Card by the Spending Deadline.
3.2 If both conditions are met, the Fee of the Qualifying Paycheck Advance is fully refunded, up to a maximum of USD 30. If the Fee exceeds USD 30, the Refund will be USD 30 and the worker will bear the remaining Fee.
3.3 The benefit applies only to the Qualifying Paycheck Advance. Any additional Paycheck Advance is charged the regular Fee.
3.4 The Refund applies only to the Fee. It does not reduce the amount of the Paycheck Advance.
3.5 Only purchases made with the Ontop Card count toward the Spending Threshold.
3.6 For example, a worker who requests a Paycheck Advance on November 20 and receives their next paycheck on November 25 must reach the Spending Threshold by November 25. A worker whose next paycheck arrives after November 30 must reach it by November 30.
4. REFUND PAYMENT
4.1 The Eligible Worker must pay the total Fee at the time of the request.
4.2 Ontop will credit the Refund to the worker’s Ontop Wallet on December 1, 2026.
4.3 The Refund 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, each Paycheck Advance, and each transaction before crediting the Refund.
5. RESTRICTIONS
The following will not be considered:
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 Refunds 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 Campaign Period, and the Spending Deadline applies as set out in these Terms.
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 Refund.
