Ontop Legal Terms

Campaign Begins: Monday, October 5, 2026, 12:00 am (GMT-5)

Campaign Ends: Thursday, October 15, 2026, 11:59 pm (GMT-5)

These Terms and Conditions (the "Terms") govern the Future Fund Cashback campaign (the "Campaign"). Eligible Ontop users may participate in a promotional offer to receive 3% cashback (up to a USD 30 cap) by depositing funds into their Future Fund during the Campaign Period and maintaining the deposit for a minimum of one (1) full week.

1. DEFINITIONS

1.1 "Campaign Period"

Means the period between October 5, 2026, at 12:00 am (GMT-5) and October 15, 2026, at 11:59 pm (GMT-5).

1.2 "Future Fund"

Means the Future Fund Service, a voluntary loan arrangement through which Workers may choose to temporarily loan funds to Ontop in exchange for Rewards. By using the Service, Participants understand and agree that they are loaning funds to Ontop, entirely at their 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. Participants do not retain any property or custodial interest in funds while they are in the Pocket.

1.3 "Eligible Deposit"

Means a deposit made into the Future Fund that is:

• Made during the Campaign Period, from October 5, 2026, at 12:00 am through October 15, 2026, at 11:59 pm (GMT-5)
• Held in the Future Fund for a minimum of one (1) full week (7 consecutive calendar days) from the moment of deposit
• Maintained at an amount equal to or greater than the initial deposit throughout the required 7-day holding period
• Not partially or fully withdrawn below the initial deposit amount before completing the required 7-day holding period

1.4 "Participant(s)"

Means Ontop users who:

• Receive the campaign communication
• Make one Eligible Deposit into their Future Fund during the Campaign Period
• Comply with these Terms

1.5 "Reward"

Means an amount equal to 3% of the Eligible Deposit, up to a maximum of USD 30, awarded to Participants who comply with the requirements set out in these Terms. If a Participant makes multiple deposits during the Campaign Period, the Reward will be calculated only on the first deposit that completes the required 7-day holding period; subsequent deposits will not generate an additional Reward.

2. CAMPAIGN RULES

To qualify for the Reward, Participants must:

• Have an active Ontop account
• Be located in a restricted country and have received the campaign communication
• Make an Eligible Deposit into Future Fund during the Campaign Period
• Keep a Future Fund balance equal to or greater than the initial Eligible Deposit for a minimum of one (1) full week (7 consecutive calendar days) from the moment of deposit
• Comply with Ontop's General Terms and Conditions and the Future Fund terms

3. ENTRY MECHANICS

The promotion applies only to eligible Ontop users who receive the campaign communication (Push Notification and/or In-App Pop-up).

To participate, eligible users must make a deposit into Future Fund between October 5 and October 15, 2026.

Cashback will be calculated as follows:

• Participants will receive 3% cashback on the amount of their Eligible Deposit
• Cashback is capped at USD 30 per user
• The deposit must remain in Future Fund for a minimum of one (1) full week (7 consecutive calendar days) from the moment of deposit
• The Future Fund balance must remain equal to or greater than the initial deposit throughout the required holding period
• The benefit applies once per Participant, based only on the first deposit that completes the full 7-day holding period
• Additional deposits do not generate additional cashback

Deposits that do not meet the eligibility criteria, are withdrawn below the initial deposit amount before completing the 7-day holding period, or are made outside the Campaign Period will not qualify for the promotion.

4. REWARD DISTRIBUTION

Eligible Participants will receive their 3% cashback (up to a USD 30 cap) after their Eligible Deposit has remained in Future Fund for the required one (1) full week and eligibility has been validated.

Cashback rewards will be credited to the participant's Ontop Wallet on October 16, 2026, once the eligibility of qualifying deposits has been validated.

Ontop reserves the right to verify the eligibility of each deposit and participant before issuing the cashback.

The cashback reward is non-transferable and may not be exchanged for other benefits.

5. ELIGIBILITY AND VALIDATION

Only deposits that meet the following criteria will be considered:

• Made within the Campaign Period
• Held in Future Fund for a minimum of one (1) full week (7 consecutive calendar days) from the moment of deposit
• Maintained at an amount equal to or greater than the initial deposit throughout the required holding period
• Not withdrawn, in whole or in part below the initial deposit amount, before completing the required holding period
• The first deposit, per Participant, that completes the required 7-day holding period

Entries will be calculated after deposit validation.

6. RESTRICTIONS

The following will not be considered:

• Deposits made before or after the Campaign Period
• Deposits withdrawn, in whole or in part below the initial deposit amount, before completing the required 7-day holding period
• Any deposit by a Participant beyond the first one that completes the required 7-day holding period
• Deposits identified as fraudulent or abusive
• Participants who do not receive the campaign communication
• Participants who do not meet the restricted-country eligibility requirement

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 or suspend the Campaign
• Adjust validation criteria

Any modifications will not affect deposits already completed 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, the Future Fund Service terms, and Ontop's General Terms and Conditions.

10. GENERAL CONDITIONS OF CAMPAIGN

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 in order to gain additional cashback.

10.3 Eligibility

Ontop reserves the right to modify eligibility conditions or cancel the Campaign at any time at its sole discretion.

10.4 Modification and Termination

Ontop reserves the right to modify, change, or update these Terms at any time. Modifications will take effect immediately upon publication.

10.5 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 deposits.

10.6 Governing Documents

Please refer to the Ontop Platform Terms, including the Client General Terms and Conditions, Worker General Terms and Conditions, Privacy Policy, and the Future Fund Service Terms, which govern matters not covered in these Terms.

10.7 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 Future Fund Service Terms.

10.8 Tax Implications

Participants are solely responsible for any taxes or expenses associated with the cashback rewards.

10.9 Data Privacy

By participating in this Campaign, you consent to the collection and use of personal information as described in Ontop's Privacy Policy.

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