Privacy Policy

This Privacy Policy explains how Loyal-T Cards collects, uses and shares personal data when you visit loyal-t.cards, contact us, purchase a subscription, or use the Loyal-T Cards platform. It also explains, in section 6, how loyalty-program data belonging to the customers of our business clients is handled.

1. Who we are

Loyal-T Cards is a digital customer-loyalty platform for businesses that depend on repeat visits. It is a product of Affluenss Marketing Agency, based in Dubai, United Arab Emirates. In this policy, “Loyal-T Cards”, “we”, “us” and “our” refer to Affluenss Marketing Agency acting through its Loyal-T Cards product. Our website is loyal-t.cards.

Loyal-T Cards is available to businesses internationally, including in the United Arab Emirates and North Macedonia. Where the data-protection law of your country gives you specific rights or requires specific disclosures, those apply in addition to what is described here.

For any question about this policy or your personal data, contact us at hello@loyal-t.cards.

2. Who this policy covers

• Visitors to our website.
• Business prospects and customers: people who contact us, request a demo or a branded example card, purchase a Loyal-T Cards subscription, or use the platform on behalf of a business.
• Customers of our business clients whose loyalty-program data is processed through the Loyal-T Cards platform (see section 6).

3. Information we collect

Information you give us

Our website has no contact form. When you contact us by WhatsApp, email or phone, or ask for a demo or a branded example card, we receive what you choose to share: typically your name, business name, phone number, email address, your business website or social-media handle (for example Instagram) if you provide it, your logo and branding, the loyalty structure you have in mind, and the content of your messages. WhatsApp conversations take place on WhatsApp, a service of Meta Platforms, and are also subject to WhatsApp's own terms and privacy policy.

Checkout and subscription information

Subscriptions are purchased through Stripe payment links. Stripe collects your payment details directly. We receive confirmation of the payment together with the details entered at checkout, such as your name, email address, business name and billing address, and any promotion code applied. We do not receive or store your full payment card number. We use this information to set up your account, issue receipts and invoices, and manage your subscription and its renewal.

Onboarding information

To configure your loyalty program we collect the information needed to do so: business name and locations, logo, brand colours, the rewards and rules you want to run, and the names and contact details of the team members who need access to the platform.

Website usage information

When you browse loyal-t.cards, analytics services collect technical and usage information such as the pages you view, the links you click, the site or campaign that referred you (including UTM parameters), your approximate location derived from your IP address, and your device and browser type. Section 5 describes these services and how to opt out.

We do not knowingly collect special categories of personal data (such as health, religious or biometric data) through the website.

4. How we use personal data

We use the information described above to:

• respond to your enquiries and provide demos or example cards;
• set up, deliver, support and improve the Loyal-T Cards service and onboard your team;
• manage your subscription, payments, renewals and account communications;
• send you information about Loyal-T Cards where the law allows, with the ability to opt out at any time (section 11);
• understand how our website is used and improve it;
• protect the security of our website and platform and prevent misuse;
• comply with legal obligations and establish, exercise or defend legal claims.

Where the law that applies to you requires a legal basis for processing, we rely on the performance of a contract with you, our legitimate interests in operating and promoting our business, your consent where we ask for it, and compliance with legal obligations.

We do not sell personal data.

5. Website analytics, tags and data stored in your browser

Our website currently uses the following measurement services:

• Google Tag Manager, which loads the measurement tags we configure. At the date of this policy those tags are Google Analytics 4 and the Meta Pixel. Google Analytics collects usage information as described in section 3 and may set cookies or use similar identifiers in your browser. Google's privacy policy applies to this processing.
• Meta Pixel, loaded through Google Tag Manager, which records page views and the actions we measure on the website (for example opening the checkout or starting a WhatsApp conversation) and may set cookies in your browser. We use it to measure and improve our advertising on Meta platforms such as Facebook and Instagram. Meta's privacy policy applies to this processing, and Meta may associate this data with your Meta account where you have one.
• Ahrefs Web Analytics, which records aggregated page-view and referrer information. Its provider describes the service as operating without cookies.

The Meta Pixel is the only advertising or conversion-measurement tag currently loaded on the website. If we add other advertising or conversion measurement in future, we will update this policy.

Our own website code does not set cookies. It stores one preference flag in your browser's local storage only if you open a page with the ?noga=1 parameter, which switches our analytics tags off in that browser; the flag contains no personal information and ?noga=0 removes it. The third-party services above may set their own cookies.

You can control or delete cookies through your browser settings, and Google offers a browser add-on to opt out of Google Analytics. Blocking cookies does not prevent the website from working.

Links on the website lead to WhatsApp, Instagram, Stripe and the demo-card pages of our platform provider. Those services collect data under their own privacy policies once you use them.

6. Loyalty-program data of our clients' customers

Businesses that subscribe to Loyal-T Cards use the platform to run their own loyalty programs. When a customer of one of those businesses joins a loyalty card, the platform may store the information the business chooses to ask for and the activity recorded through the program, such as: name, phone number and/or email address, date of birth where the business requests it, the wallet card issued, stamps, points, balances, visits, rewards and redemptions recorded by the business's team, the location where the activity was recorded (for multi-location programs), and the notifications sent through the program.

The business that issues the loyalty card decides which information it asks for, how it uses it and which communications it sends. That data is controlled by the business; Loyal-T Cards and its platform provider process it in order to provide the service to that business. If you are a customer of a business that uses Loyal-T Cards, please contact that business first about your data. If you contact us instead, we will pass your request on and assist where we can.

Loyalty cards are kept in Apple Wallet or Google Wallet on the customer's own device. The storage of the card, its updates and any wallet notifications, including location-based notifications, are delivered through Apple's and Google's services and depend on the permissions the customer has granted to their device and wallet app. Apple's and Google's privacy policies apply to those services.

7. Service providers and other recipients

We share personal data with service providers that help us run our business and deliver the service. They may only use it for the purposes we specify. At the date of this policy they include:

• Loyalty-platform provider: the Loyal-T Cards platform, dashboard, scanner and wallet-card infrastructure are delivered on a white-label loyalty platform operated by a third-party provider (Boomerangme), which hosts the platform and processes loyalty-program data on our and our clients' behalf.
• Payments: Stripe, which processes subscription payments and stores payment details under its own terms.
• Website hosting: Vercel, which hosts loyal-t.cards.
• Analytics and advertising measurement: Google (Tag Manager and Analytics), Meta Platforms (Meta Pixel) and Ahrefs, as described in section 5.
• Digital wallets: Apple and Google, whose wallet services store and update the loyalty cards.
• Communications: WhatsApp (Meta Platforms) and our email provider, for the conversations you have with us.

We may also share personal data with professional advisers, with authorities where the law requires it, and with a successor business if Loyal-T Cards is sold or reorganised, in which case this policy will continue to apply to the data transferred.

8. International transfers

We are based in the United Arab Emirates, and the service providers listed above operate from and store data in other countries, including the United States and countries in the European Economic Area. Your personal data may therefore be processed outside the country in which you live. Where an international transfer is subject to legal requirements, we rely on the safeguards available under applicable law, such as contractual terms with the provider concerned. You can ask us for more information about how a particular transfer is protected.

9. How long we keep personal data

We keep personal data for as long as it is needed for the purposes described in this policy. In practice, enquiry data is kept while the enquiry is live and for a reasonable period afterwards; account and billing data is kept for the duration of the subscription and for as long as required for tax, accounting and dispute-resolution purposes; and loyalty-program data is kept for as long as the client business's subscription is active and according to that business's instructions, as described in our Terms of Service. Retention periods vary by data type and by the legal requirements that apply.

10. Your rights

Depending on the law that applies to you, you may have the right to access the personal data we hold about you, to have it corrected or deleted, to restrict or object to its processing, to receive a copy of it in a portable format, to withdraw consent you have given, and to complain to a data-protection authority. To exercise any of these rights, email hello@loyal-t.cards. We may need to verify your identity before acting on a request, and we will respond within the time required by applicable law.

If your request concerns data held in a loyalty program run by one of our business clients, we will refer it to that business, which controls the data, and assist where we can.

11. Marketing communications

Where the law allows, we may contact business prospects and customers by email or WhatsApp about Loyal-T Cards. You can opt out at any time by replying to the message or emailing hello@loyal-t.cards. We will still send messages needed to operate your subscription, such as receipts, renewal notices and service updates.

12. Security

We apply appropriate technical and organisational measures to protect personal data against unauthorised access, alteration, disclosure or destruction. Our website is served over an encrypted connection (HTTPS), payments are handled by Stripe, and access to platform accounts is protected by login credentials. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

13. Children

Our website and services are intended for businesses and are not directed at children. We do not knowingly collect personal data from anyone under 18. If you believe a child has provided us with personal data, contact us and we will delete it.

14. Links to other websites

Our website links to third-party websites and services, including WhatsApp, Instagram, Stripe and the demo-card pages of our platform provider. We are not responsible for their content or privacy practices. Please read their privacy policies before providing them with personal data.

15. Changes to this policy

We may update this policy from time to time to reflect changes in our services, our providers or the law. The current version is always available on this page with its date of last update. If a change materially affects how we use your personal data, we will take reasonable steps to bring it to your attention.

16. Contact

Loyal-T Cards, a product of Affluenss Marketing Agency
Dubai, United Arab Emirates
Email: hello@loyal-t.cards
Phone and WhatsApp: +971 58 583 2443