Terms of Service

1. Agreement

These Terms of Service (the “Terms”) govern access to and use of the Loyal-T Cards website, platform and services. Loyal-T Cards is a product of Affluenss Marketing Agency (“Loyal-T Cards”, “we”, “us” or “our”). By purchasing a subscription, creating an account or otherwise using our services, you (the business subscribing to the service, the “Customer” or “you”) agree to these Terms. If you do not agree, please do not use our services.

Our services are intended for businesses. By subscribing, you confirm that you are acting on behalf of a business and are authorised to bind it to these Terms.

2. The service

Loyal-T Cards provides a digital customer-loyalty platform through which a business can issue branded loyalty cards that customers may keep in Apple Wallet or Google Wallet, together with setup and onboarding services. Setup and onboarding include configuring the platform account, preparing the branded wallet card, setting the initial loyalty structure with you, preparing QR join materials, onboarding your team and supporting the launch.

After launch, your team operates the loyalty program day to day. This includes inviting customers to join, recording loyalty activity, redeeming rewards, using the dashboard and sending any loyalty communications you choose to send. Unless separately agreed in writing, the subscription does not include ongoing management of your loyalty program by Loyal-T Cards, scheduled performance reviews or reporting beyond what the platform dashboard provides.

Loyal-T Cards is a separate loyalty platform. It does not replace, connect to or synchronise with your point-of-sale, booking, ordering or other business systems unless a specific integration has been expressly agreed in writing.

3. Subscription and pricing

Loyal-T Cards is sold as an annually recurring subscription (“Loyal-T Cards Annual”). The standard price is US$660 per subscription year and covers one business location. Billing is annual only; there is no monthly plan.

The subscription fee is payable in full at the start of each subscription year. Current pricing is published on our pricing page. We may change the standard price from time to time. A price change will not affect a subscription year that has already been paid for, and we will notify you of any change to your renewal price before it takes effect.

4. Founding 20 promotional offer

From time to time we may run promotional offers. The Founding 20 offer, where available, provides a first-year subscription price of US$330 to the first 20 new business subscriptions that successfully complete payment. The following conditions apply:

• The promotional price applies to the first subscription year only.
• From the second subscription year, the subscription renews at the standard annual price (currently US$660) unless cancelled in accordance with section 6.
• The offer is available only while it is shown as active on our website. It closes once 20 qualifying payments have been completed, or earlier if we withdraw it.
• A Founding spot is secured only when payment is successfully completed. An enquiry, demo request or checkout visit does not reserve a spot.
• Eligibility is subject to the offer terms displayed at the time of purchase. The promotional price cannot be combined with other offers or applied retroactively.

5. Currency and payment

Our prices are publicly stated in US dollars (USD). Payments are processed by Stripe, our third-party payment processor. At checkout, the payment processor may display and charge the amount in a supported local currency where available. Any currency conversion is performed by the payment processor or your bank at the rate they apply; we do not guarantee a fixed exchange rate, and your bank may apply its own fees.

Card details are collected and stored by Stripe under its own terms and security standards. Loyal-T Cards does not store your full payment card details. You are responsible for keeping a valid payment method on file so that renewals can be processed.

6. Renewal and cancellation

Your subscription renews automatically for a further subscription year at the end of each subscription year, at the then-current standard annual price, unless it is cancelled before the renewal date.

To prevent the next renewal, cancel before your renewal date by emailing hello@loyal-t.cards from the email address associated with your account, or by using any subscription management link we have provided to you. We will confirm your cancellation in writing. Cancellation takes effect at the end of the subscription year that has already been paid for; the service continues until then.

We may suspend or terminate a subscription if you materially breach these Terms, use the service unlawfully or fail to pay amounts due.

7. Refunds

Subscription fees are charged for a full subscription year in advance. Cancelling a subscription does not automatically entitle you to a refund of the subscription year already paid for. Refund requests are considered on a case-by-case basis, and any refund we provide will be handled in accordance with applicable law. Nothing in these Terms limits any rights you have under mandatory applicable law.

8. End of subscription

When your subscription ends, whether by cancellation, non-renewal or termination, your access to the Loyal-T Cards platform for that account ends, and loyalty cards issued through the platform may stop being updated or serviced. If you would like a copy of your loyalty program data before the end of your term, contact us before your renewal date.

9. Business locations

The standard Loyal-T Cards Annual subscription includes one business location. The platform can support multi-location programs, but additional locations are not included automatically. Multi-location setups are available separately by agreement, on terms and pricing that we will confirm with you in writing.

10. Setup and onboarding

To set up your loyalty program we rely on information and materials you provide, such as your business name, logo, brand colours and the loyalty structure you want to run. Setup timelines depend on when we receive these materials and on your availability for onboarding. You confirm that you hold the necessary rights to any branding and content you supply to us.

11. Your responsibilities

Loyal-T Cards provides the loyalty platform and the setup and onboarding services described above. You remain responsible for the loyalty program you run through it, including:

• the terms, reward rules and conditions you offer to your own customers;
• ensuring your promotions, rewards, discounts, gift value, memberships and passes are lawful where you operate;
• your business operations, pricing, products and services, and honouring rewards you have issued;
• your employees and other people who use the platform on your behalf, including their access and conduct;
• the content and lawfulness of communications you send to your customers through the platform;
• obtaining any consents required from your customers and complying with the consumer-protection, data-protection, marketing and other regulations that apply to your business;
• the accuracy of the information you give us, including business details and loyalty configuration.

You agree not to use the service for any unlawful purpose, to send unsolicited or misleading communications, or in any way that could damage, disable, overburden or impair the platform or interfere with any other party's use of it.

12. Third-party wallets and services

Apple Wallet and Google Wallet are third-party services provided by Apple Inc. and Google LLC respectively. The availability and behaviour of loyalty cards in these wallets depend on the customer having a compatible device and operating system, and on the policies and technical requirements of those providers, which may change. Loyal-T Cards is not affiliated with, endorsed by or sponsored by Apple or Google. Apple Wallet and Google Wallet are trademarks of their respective owners. Payment processing is subject to Stripe's terms.

13. No guarantee of results

The platform records loyalty activity as it is entered by your team and your customers. Dashboard figures describe recorded activity and do not establish that the platform caused any particular visit, sale or revenue amount. Examples and case studies published on our website describe the recorded results of specific businesses. Results vary, and we do not guarantee any particular business outcome from using the service.

14. Data and privacy

Our handling of personal data is described in our Privacy Policy. Data about your customers that is collected through your loyalty program is controlled by you as the business issuing the loyalty card; we process it to provide the service to you.

15. Intellectual property

All content on the Loyal-T Cards website, including text, graphics, logos, and software, is our property or the property of our licensors and is protected by intellectual property laws. Your business branding and loyalty card designs remain your property.

16. Limitation of liability

To the maximum extent permitted by law, Loyal-T Cards shall not be liable for any indirect, incidental, or consequential damages arising from your use of our services. Our total liability shall not exceed the amount paid by you in the twelve months preceding the claim.

17. Changes to these Terms

We may update these Terms from time to time. The current version is always available on this page with its date of last update. If we make a material change to these Terms, we will notify you before it applies to your next renewal. Your continued use of the service after a change takes effect constitutes acceptance of the updated Terms.

18. Governing law

These terms are governed by and construed in accordance with the laws of the United Arab Emirates. Any disputes shall be subject to the exclusive jurisdiction of the courts of Dubai.

19. Contact

For questions about these terms, contact us at hello@loyal-t.cards.