Terms of Service

These Terms of Service ("Terms") govern your access to and use of Loya ("Loya", "we", "us", or "our"), including our website at loya.digital, our iOS mobile application, and our loyalty card platform (collectively, the "Service"), operated by [LEGAL ENTITY NAME]. By creating an account, accessing, or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

Loya enables small businesses ("Business", "you", when referring to a business account holder) to create and manage digital loyalty stamp cards, which are issued to their customers ("End Customers") as Apple Wallet passes. The Service includes program configuration, customer enrollment, stamp and reward tracking, and related dashboard tools.

You must be at least 18 years old and have the authority to bind the business you represent to create a Loya account. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to provide accurate, current, and complete information when creating your account and to keep that information up to date.

Loya offers the following paid subscription plans, billed monthly in advance via Stripe:

• Starter: $19/month
• Pro: $30/month

Subscriptions automatically renew each month unless canceled prior to the next billing date. By subscribing, you authorize Loya and Stripe to charge your payment method on a recurring monthly basis until you cancel. We do not store your full payment card details; all payment processing is handled by Stripe.

We may change subscription prices from time to time. If we do, we will provide advance notice before the change takes effect on your account, and the new price will apply to your next billing cycle following that notice period.

You may cancel your subscription at any time through the billing portal accessible from your account settings within the Loya dashboard. Cancellation takes effect at the end of your current billing period; you will retain access to paid features through that period, and you will not be charged again after cancellation.

Every account begins with a 7-day free trial, and no payment method is charged before that trial ends. Because you can evaluate the full Service at no cost, subscription fees are non-refundable once charged, except where a refund is required by law. We do not issue partial or prorated refunds for unused time in a billing period, and canceling mid-period does not generate a refund for the remainder of that period.

We will review refund requests for duplicate charges, charges made after a confirmed cancellation, or charges resulting from a billing error on our side. Contact us at support@loya.digital within 30 days of the charge in question and we will investigate and, where a billing error is confirmed, refund the affected amount to your original payment method.

You agree not to use the Service to:

• Violate any applicable law or regulation.
• Upload content that is unlawful, fraudulent, defamatory, or infringes on the rights of others.
• Enroll or contact end customers without their consent.
• Interfere with, disrupt, or attempt to gain unauthorized access to the Service or its infrastructure.
• Reverse engineer, scrape, or misuse the Service outside of its intended purpose.
• Use the Service to send spam, unsolicited marketing, or deceptive communications to end customers.

We reserve the right to suspend or terminate accounts that violate this section.

As a Business using Loya, you are the data controller for the personal information of the end customers you enroll (such as name, phone number, and email address). You are solely responsible for:

• Obtaining any consent required to collect, store, and contact your end customers.
• Ensuring your use of end customer data complies with applicable privacy laws.
• The accuracy and legality of any information you or your end customers submit to the Service.

Loya acts as a data processor on your behalf for the limited purpose of operating the Service (issuing passes, storing enrollment data, and delivering pass updates).

Loya and its licensors retain all rights, title, and interest in and to the Service, including its software, design, and branding. We grant you a limited, non-exclusive, non-transferable license to access and use the Service for your business's internal purposes during your subscription term.

You retain ownership of any logos, artwork, and other content you upload to the Service ("Business Content"). By uploading Business Content, you grant Loya a worldwide, royalty-free license to host, store, reproduce, and display that content solely as necessary to provide the Service, including generating and delivering Apple Wallet passes to your end customers. You represent that you own or have the necessary rights to any Business Content you upload.

The Service relies on the following third-party services, each subject to their own terms:

• Apple Wallet: Loyalty passes are issued and updated through Apple's PassKit and Push Notification Service, subject to Apple's terms and policies.
• Stripe: Subscription billing and payment processing are handled by Stripe, subject to Stripe's terms of service.
• Supabase: Account authentication and data storage are provided by Supabase, subject to Supabase's terms of service.

We are not responsible for the availability, functionality, or acts or omissions of these third-party services.

We aim to keep the Service available and reliable but do not guarantee uninterrupted or error-free operation. The Service is provided "as is" and "as available," without warranties of any kind, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.

To the maximum extent permitted by law, Loya and its officers, employees, and affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or business opportunities, arising out of or related to your use of the Service. Our total aggregate liability for any claim arising out of these Terms or the Service will not exceed the amount you paid to us in the twelve (12) months preceding the claim.

You agree to indemnify, defend, and hold harmless Loya and its officers, employees, and affiliates from any claims, damages, losses, liabilities, and expenses (including reasonable legal fees) arising out of your use of the Service, your Business Content, your violation of these Terms, or your violation of any rights of your end customers or any third party.

You may terminate your account at any time by canceling your subscription and, if desired, deleting your account from the Loya dashboard. We may suspend or terminate your access to the Service at any time, with or without notice, if you violate these Terms or if we reasonably believe your use of the Service poses a risk to us, other users, or third parties. Upon termination, your right to use the Service ceases immediately; sections of these Terms that by their nature should survive termination will survive.

We may update these Terms from time to time. The "Effective date" at the top of this page reflects the date of the most recent revision. We will notify business account holders of material changes via email. Continued use of the Service after changes are posted constitutes acceptance of the updated Terms.

These Terms are governed by and construed in accordance with the laws of [JURISDICTION], without regard to its conflict of laws principles. Any disputes arising out of or relating to these Terms or the Service will be subject to the exclusive jurisdiction of the courts located in [JURISDICTION].

For questions about these Terms, contact us at: