Ontop Legal Terms

Campaign Begins: Thursday, October 1, 2026, 12:00 am (GMT-5)

Campaign Ends: Saturday, October 31, 2026, 11:59 pm (GMT-5)
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These Terms and Conditions (the "Terms") govern the Viernes de Activación campaign (the "Campaign"). Eligible Ontop users may participate in a promotional offer to receive 15% cashback (up to a USD 15 cap) by completing their first eligible purchase with the Ontop Card during the Campaign Period.
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1. DEFINITIONS

1.1 "Campaign Period"

Means the period between October 1, 2026, at 12:00 am (GMT-5) and October 31, 2026, at 11:59 pm (GMT-5).

1.2 "Ontop Card"

Means the prepaid card (physical or digital) issued by Ontop and linked to the user's Ontop Wallet.

1.3 "Eligible Transactions"

Means the first transaction made using the Ontop Card that is:

• Successfully completed during the Campaign Period
• Settled (not pending, reversed, or refunded)
• The participant's first purchase with the Ontop Card during the Campaign Period

1.4 "Participant(s)"

Means Ontop users who:

• Meet the eligibility requirements for the Campaign
• Make their first Eligible Transaction during the Campaign Period
• Comply with these Terms

1.5 "Reward"

Means 15% of the value of the participant's first Eligible Transaction, up to a maximum of USD 15, which will be awarded to participants who comply with the requirements.

2. CAMPAIGN RULES

To participate in the Campaign, users must:

• Have an active Ontop account
• Have an active Ontop Card that was issued more than 30 days before the Campaign Period
• Have not previously participated in a Viernes de Activación campaign
• Have not previously used their Ontop Card to make a purchase
• Complete their first Eligible Transaction during the Campaign Period
• Comply with Ontop's General Terms and Conditions

3. ENTRY MECHANICS

The promotion applies only to eligible Ontop users who meet all the eligibility requirements described in these Terms.

To participate, eligible users must complete their first purchase with the Ontop Card during October 2026.

Cashback will be calculated as follows:

• Participants will receive 15% cashback on their first eligible transaction
• Cashback is capped at USD 15 per user
• Only the settled transaction amount will be considered for cashback calculation
• The benefit applies once per participant, on the first transaction only

Transactions that do not meet the eligibility criteria or occur outside the Campaign Period will not qualify for the promotion.

4. REWARD DISTRIBUTION

Eligible participants will receive their 15% cashback (up to a USD 15 cap) after completing their first qualifying transaction during the Campaign Period and once the transaction has been settled and validated.

Cashback will be credited to the participant's Ontop Wallet on the first business day of the month following the Campaign Period.

The final settlement date for transactions under this Campaign will be after the Campaign Period, as required for transaction validation. No transactions outside the Campaign Period will qualify for the promotion.

Ontop reserves the right to verify the eligibility of each transaction 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 transactions that meet the following criteria will be considered:

• Successfully completed within the Campaign Period
• Settled and not pending
• Not reversed, refunded, or disputed
• Made by a participant who had not previously used their Ontop Card before the Campaign

Eligibility will be validated based on the participant's card issuance date, prior participation in Viernes de Activación, prior card usage, and transaction status.

6. RESTRICTIONS

The following will not be considered:

• Transactions made before or after the Campaign Period
• Transactions made with an Ontop Card that had been used before the Campaign
• Transactions by users who previously participated in a Viernes de Activación campaign
• Pending, reversed, refunded, or canceled transactions
• Transactions identified as fraudulent or abusive

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 transactions 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 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 transactions.

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 Ontop Card Terms of Service, 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 Ontop Card Terms of Service.

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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