1. About the campaign

1.1 The MPExchange Olympics (the “Campaign”) is a referral contest run by Maple PayExchange Inc., operator of Maple PayExchange (“MPExchange”, “we”, “us”).

1.2 The Campaign runs alongside our standard referral programme. Where these terms differ from the Referral Programme Terms, these terms apply to the Campaign only.

1.3 Eligible users are entered automatically. There is no separate sign-up. By sharing your referral link or code during the Campaign Period, you agree to these terms.

2. Campaign period

2.1 The Campaign runs from 12:00:00 a.m. Eastern Time (ET) on Sunday 15 November 2026 to 11:59:59 p.m. ET on Saturday 12 December 2026 (the “Campaign Period”).

2.2 All times in these terms are Eastern Time. Our system clock is the official timekeeper for the Campaign.

2.3 The Campaign Period is split into four weeks:

3. Who can enter

3.1 To take part, you must:

• be 18 or older, or the age of majority where you live if that is higher
• hold an MPExchange account that is verified and in good standing
• live in a country where MPExchange services are available and where taking part is lawful

3.2 The Campaign is void where prohibited or restricted by law.

3.3 MPExchange employees, contractors and their family members may take part on the same terms as everyone else. Their referrals go through the same verification as all other referrals.

3.4 Each person may hold one account. Only the account holder can win a prize on that account.

3.5 An account that is suspended, restricted or closed at any point during the Campaign Period or before prizes are credited cannot win.

4. What counts as a successful referral

4.1 A referral is a “Successful Referral” only when all of these are true:

1. The referred person opens a new MPExchange account using your referral link or code on or after 15 November 2026.
2. The referred person has never held an MPExchange account before.
3. The referred person passes our normal verification.
4. The referred person completes a single transaction of at least $100 CAD (or the equivalent in another currency) during the Campaign Period.
5. That transaction is not cancelled, reversed, refunded or charged back.

4.2 A transaction is complete when our system shows it as completed. A Successful Referral counts in the week its qualifying transaction completes, not the week the account was opened.

4.3 Transactions completed after 11:59:59 p.m. ET on 12 December 2026 do not count toward either leaderboard, even if the account was opened during the Campaign Period. They may still earn the standard referral bonus under section 5.

4.4 Each referred person counts once, for one referrer only.

5. Standard referral bonus

5.1 Our standard referral bonus continues during the Campaign. When a referred person completes their first transaction of at least $100 CAD, the referrer and the referred person each receive $10 CAD.

5.2 The bonus is paid under the Referral Programme Terms, on its usual schedule. It is separate from, and in addition to, any Campaign prize.

5.3 You can earn the standard bonus without reaching any leaderboard entry point.

6. Weekly leaderboard

6.1 Each week, the eligible participant with the most Successful Referrals that week wins $50 CAD, as long as they meet that week's entry point:

6.2 No winner. If no one meets the entry point in a week, that week's prize is not awarded and does not carry over to the next week. Total weekly prizes will never exceed $200 CAD.

6.3 Two-win limit. Each person can win a maximum of two weekly prizes. If the top referrer in a week has already won twice, the prize goes to the next-highest participant who meets the entry point. If there is no such participant, the prize is not awarded.

6.4 Each week's count starts at zero. Successful Referrals from one week do not carry into the next week's count, but they all count toward the monthly leaderboard.

6.5 Ties. If two or more participants have the same count, the winner is the one who reached that count first, based on the time their last qualifying transaction completed.

6.6 Weekly winners can also win a monthly prize.

7. Monthly leaderboard

7.1 The monthly prizes are:

7.2 To qualify, you need at least 20 Successful Referrals across the whole Campaign Period. Successful Referrals from every week count toward this total.

7.3 Qualifying participants are ranked by their total number of Successful Referrals.

7.4 Unclaimed prizes. Prizes are only awarded to participants who reach 20 Successful Referrals. If fewer than three people qualify, only the places that are filled are awarded. For example, if one person qualifies, only the 1st prize of $400 CAD is awarded. Unclaimed prizes are not awarded, and there is no draw.

7.5 Ties. Ties are decided as in 6.5: the participant who reached the tied total first ranks higher.

7.6 Monthly prizes are credited by Saturday 19 December 2026, within 7 days of the Campaign ending.

8. Leaderboards, winners and payouts

8.1 Both leaderboards are live from 15 November 2026 in the MPExchange app and updated daily. Participants are shown by first name and last initial.

8.2 Leaderboard positions are provisional until verification is complete. Final standings are confirmed after each week ends and after the Campaign ends.

8.3 We will notify winners by in-app notification and email and will announce them on our social media channels.

8.4 Weekly prizes are credited within 3 days of the week ending, on the dates in 6.1. Monthly prizes are credited within 7 days of the Campaign ending, by 19 December 2026.

8.5 If a winner is disqualified, the prize goes to the next-highest eligible participant who meets the entry point. If there is no such participant, the prize is not awarded.

9. Verification and fair play

9.1 Every referral, account and winner is subject to our normal verification. We may verify at any time before winners are credited.

9.2 You may not:

• refer yourself, or any account you own or control
• create or use multiple, fake or borrowed accounts
• offer cash or other rewards to people to open accounts or make transactions, beyond the standard referral bonus
• arrange transactions only to qualify, such as sending money back and forth between linked people
• use automated tools, bots or paid traffic to generate referrals
• spam people, or make false or misleading claims about MPExchange

9.3 If we reasonably believe someone has broken these terms, we may disqualify their referrals or the participant, withhold or take back prizes and bonuses (including by debiting their wallet), and take action on the account under our Account Terms.

9.4 Our decisions on eligibility, referral counts and winners are final, to the extent the law allows.

10. Prizes

10.1 All prizes are paid as MPExchange wallet credit in Canadian dollars. Wallet credit can be withdrawn.

10.2 Prizes are personal to the winner. They cannot be transferred, sold or exchanged for anything else.

10.3 Winners are responsible for any taxes that apply to their prize where they live.

10.4 Your account must be active and in good standing when the prize is credited. If we cannot credit a prize within 30 days because the account is closed or restricted, the prize is forfeited.

11. Other terms

11.1 Publicity. By taking part, you agree that we may show your display name and referral count on the leaderboards, and announce winners' display names.

11.2 Privacy. We handle your personal information under our Privacy Policy.

11.3 Changes. We may change, suspend or end the Campaign if something outside our reasonable control affects it, such as a technical failure, fraud or a legal requirement. We will post any change on this page. We will not reduce a prize that has already been won.

11.4 Liability. To the extent the law allows, we are not responsible for referrals or transactions that are lost, delayed or not recorded because of technical problems. Nothing in these terms limits any rights you have by law.

11.5 Governing law. These terms are governed by the laws of Ontario and the federal laws of Canada that apply there.

11.6 Contact. Questions about the Campaign can be sent to info@mpexchange.ca.