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Last updated: February 11th, 2025

TERMS & CONDITIONS

Welcome to loyaone.com, a loyalty rewards platform that offers Loyalty Programs to its platform users, participating businesses and their customers ("Loyalty Programs"). LoyaOne and the LoyaOne Loyalty Programs are products of LoyaOne Technologies Limited ("We", "Us", "Our", "LoyaOne") which can be accessed through its website, mobile or other applications ("Platform").

By accessing or using the Platform, you ("platform user", "Participating Business", "You", "Your") agree that you have read, understood and agree to be bound by these Terms and Conditions, our Privacy Policy and by any changes or modifications we may make. You should review these Terms and Conditions, our Privacy Policy, any related agreements frequently to understand the terms and conditions that apply to LoyaOne and the Loyalty Programs as they may change from time to time and will be binding on you.

1. General Terms

  • By using our Platform in any manner, you confirm that you accept these terms and conditions and that you agree to comply with and be bound by them.
  • You understand that a breach of any of these terms and conditions may result in your rights to use the services on the Platform being restricted, suspended, or withdrawn.
  • By using the Platform, you represent and warrant that you are 18 years old and above and are otherwise capable of entering into binding contracts including this Terms and Conditions.

2. Loyalty Program Enrollment

  • Eligible individuals may only enroll in the Program by visiting the platform and following the prompts to register for the Program.
  • You are required to provide your first name, last name, email address and to create a password in order to enroll. You are solely responsible for maintaining the accuracy of your account information and for updating it as required. You may update your personal information on your dashboard.
  • Only one account may be associated with a single email address.

3. Account and Registration

  • To access the features of this Platform, you will be required to register for an account where you will be required to provide us with some information such as your name, e-mail address, physical address, phone number, or other personal information. Some of this information may be of a confidential nature and may include personally identifiable information ("PII", "Your Information").
  • If you provide Your Information to us then you agree to provide true, current, complete, and accurate information, and not to misrepresent your identity. You also agree to keep Your Information current and to update Your Information if any of it changes.
  • Our collection, use, and disclosure of Your Information are governed by these Terms and Conditions, our Privacy Policy, and any applicable law.
  • You can decide at any time to terminate your account, in which case your details will be deleted from the Platform.
  • You are solely responsible for the safeguarding, security, and confidentiality of your username, password, and other credentials used to access your account and enjoy the services LoyaOne provides. LoyaOne will not be responsible for any losses arising from the loss or theft of your information or your mobile device or from unauthorized or fraudulent transactions associated with your LoyaOne account.

4. Enrollment for Participating Businesses

  • To register as a Participating Business, you must sign up by providing the requested information in the signup page of our Platform and uploading all necessary information/documents as requested by us. Upon a successful signup, we will provide you with a Merchant Account accessible using a username and password.
  • By clicking the "Sign up" button located at the sign up page, you represent and warrant that:
    • You are a legally registered business and are otherwise capable of entering into binding contracts including this Terms and Conditions and any other agreements you may be required to enter into with us;
    • All the information you have provided to us is accurate, correct and complete;
    • You will not authorize other persons to use your collector's account nor transfer or assign it to any other person;
    • You will not use the Loyalty program and platform for unauthorized or unlawful purposes or services that will impair the proper operation of LoyaOne;
    • You will, at all times, fully comply with all laws and regulations applicable to You in the provision of the specified rewards, discounts, or benefits to the Platform Users, including, but not limited to consumer protection laws.

5. How the Loyalty Program Works and Program Benefits

  • The Loyalty Program is a way by which LoyaOne and Participating Businesses reward and appreciate their loyal customers for purchasing their products and/or taking other Program-related actions.
  • You are able to earn points and reach the Loyalty Program tiers by making eligible purchases at the Participating Businesses' store or taking certain other Program actions. Once you reach a certain loyalty tier and/or earn a certain number of points, you may be eligible for certain benefits and rewards applicable to that tier and/or number of points, which benefits may change from time to time and may be offered on a limited basis by LoyaOne or the Participating Businesses.
  • Eligible purchases and other opportunities to reach Program loyalty tiers or earn points will be posted on the Platform or may be published through other media (e.g., in-store, in marketing communications, social media, etc.).
  • Note that Participating Businesses set the rules around getting rewards and earning points from their stores.

6. Program Benefits and Rewards

  • As a Platform user, you earn points that determine your points benefits plus tier levels and tier benefits. To redeem offers and rewards, you must have accumulated the minimum number of points as established by LoyaOne or the Participating Businesses for a particular benefit. Points may never be exchanged for cash.
  • Points Benefits: At different point levels, you will be able to redeem your points for rewards that can be used in conjunction with or for a purchase at the Participating Businesses' stores.
  • Tier Benefits: Certain benefits are based on tier achieved and you are eligible for these benefits while you are in that tier regardless of the number of points you currently have.
  • Rewards, benefits and/or points earned through the Program have no cash value but are transferable to other Platform users as points. You have no property rights in or to the points, rewards or other Program benefits.
  • Rewards cannot be exchanged or returned for points, another product, or a monetary refund.
  • We are not responsible for rewards, benefits, and/or points lost or redeemed due to fraudulent activity.
  • We and Participating Businesses reserve the right to change Loyalty Program benefits, how you reach each Loyalty Program tier, how you earn points and how we evaluate and reward your eligible purchases and/or other Program activity.

7. Program Communications

  • By enrolling in the Program, you will be automatically subscribed to receive and consent to receiving LoyaOne and Participating Businesses' marketing emails and Program related emails.
  • You may opt-out of receiving these marketing emails at any time by following the instructions provided in the email or as otherwise provided in our Privacy Policy, but operational emails will still be sent to you as they relate to your membership in the Program.

8. LoyaOne Tags and Labels for Participating Businesses

  • We may give you tags, labels, or other signs that refer to the LoyaOne brand or otherwise indicate you are using the LoyaOne Platform. We grant you a non-exclusive, non-sublicensable, non-transferable license to use such signs and only for the purpose of indicating you are providing rewards, discounts or benefits to customers via our Platform.
  • You must immediately remove and discard any signs that refer to our brand after the termination of this Agreement.
  • All copyrights and trademarks, including source code, databases, logos, and visual designs are owned by LoyaOne and protected accordingly. By using the LoyaOne Platform or any other LoyaOne Services, you do not acquire any rights of ownership to our intellectual property.

9. Screening Users

Although we retain the right to do so, LoyaOne does not screen Platform users, Participating Businesses, or verify information communicated through the Platform. LoyaOne also retains the right to monitor all communication and information transmitted using our Platform.

LoyaOne may, at its sole discretion, take steps to verify your identity at any time. You agree and authorize that we may use and disclose information, including Personally Identifiable Information, about you for such purposes, including making inquiries of third parties concerning your identity.

You further authorize such third parties to disclose to us such information, as we may request for such purposes, and you agree to hold them and us harmless from any claim or liability arising from the request for or disclosure of such information. Unless otherwise agreed under any other agreement signed by the parties, you agree that we may terminate your access to the Service or Platform at any time, without liability to us, if we are unable at any time, to determine or verify your identity.

10. Conduct

As a user of our Platform, you herein acknowledge, understand and agree that all information, text, software, data, photographs, messages, tags or any other content, whether it is publicly or privately posted and/or transmitted, is the expressed sole responsibility of the individual from whom the content originated.

Furthermore, you herein agree not to make use of LoyaOne for the purpose of:

  • uploading, posting, emailing, transmitting, or otherwise making available any content that shall be deemed unlawful, harmful, threatening, abusing, harassing, tortious, defamatory, vulgar, obscene, libelous, or invasive of another's privacy;
  • Causing harm to minors in any manner whatsoever;
  • Impersonating any individual or entity;
  • uploading content that you personally have no right to or that may infringe any patent, copyright, trademark, or any other proprietary or intellectual rights;
  • uploading any or any other proprietary or intellectual rights;
  • uploading any unsolicited or unauthorized advertising;
  • Disrupting the normal flow of communication;
  • Interfering with or disrupting any LoyaOne services, servers and/or networks;
  • Collecting or storing personal data relating to other users in connection with the prohibited conduct.

11. Termination and Modification

  • The Loyalty Program and its benefits are offered at LoyaOne's and Participating Businesses' sole discretion. We may cancel, modify, restrict, or terminate these Program Terms, and/or the Program or any aspect or feature of the Program at any time without prior notice, even though such changes may affect the value of rewards or benefits already accumulated or earned and/or the ability to redeem accumulated rewards or benefits.
  • We reserve the right to exclude you from or to discontinue your participation in the Loyalty Program and to audit your membership account at any time, in our sole discretion.
  • If you decide you no longer want to be a part of the Program, you may cancel your membership at any time by opting out in your account on the platform.
  • The termination of your account with LoyaOne, shall include any and/or all of the following:
    • The removal of any access to all or part of the services offered within the platform
    • The deletion of your password and any and all related information, files, and content
    • The barring of any further use of any or part of our services

12. Disclaimer of Warranties; Limitation of Liability

YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT:

  • THE USE OF THE LOYAONE PLATFORM, ITS SERVICES AND SOFTWARE ARE YOUR SOLE RISK. OUR SERVICES AND SOFTWARE SHALL BE PROVIDED ON AN 'AS IS' AND/OR "AS AVAILABLE' BASIS.
  • SAVE AS OTHERWISE AGREED IN WRITING BY PARTIES, LOYAONE DOES NOT WARRANT THAT THE SERVICES OR THE SERVERS WILL BE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
  • YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK.
  • NO ADVICE AND/OR INFORMATION, DESPITE WHETHER WRITTEN OR ORAL, THAT MAY BE OBTAINED BY YOU FROM LOYAONE SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THE TERMS.

13. Indemnification

You agree to defend, indemnify, and hold us, our parents, subsidiaries, affiliates, partners, licensors, officers, directors, employees, and agents harmless for any loss, damages or costs, including reasonable attorneys' fees, resulting from any third-party claim, action, or demand resulting from your participation in the Loyalty Program in violation of any law, rule, regulation or these Terms and Conditions.

14. Interruption of Service

Unless otherwise stated in the applicable Service Level Agreement, your access and use of our Services may be interrupted for any of several reasons, including, without limitation, the malfunction of equipment, periodic updating, maintenance or repair of our Services or other actions that we may elect to take.

15. Third Party Links, Services and Content

The services may contain features, services and functionalities linking you to, or providing you with access to third party services and content, websites, directories, servers, networks, systems, information, databases, applications, software, programs, courses, services, and the Internet as a whole. Because we have no control over such sites and resources, we are not responsible for the availability of such external sites or resources, and do not endorse and are not responsible or liable for any content, advertising, courses or other materials on or available from such sites or resources. When you visit or use a third party's website you agree to read and consent to the third party's terms & conditions and privacy policy and you release us from any liability.

16. Intellectual Property Rights

  • You acknowledge, understand and agree that all of LoyaOne trademarks, copyright, trade name, service marks, and other logos and any brand features, and/or product and service names are trademarks and as such, are and shall remain the property of LoyaOne. You herein agree not to display and/or use in any manner such logo or marks without obtaining LoyaOne's prior written consent.
  • LoyaOne will always respect the intellectual property of others, and we ask that all of our users do the same. With regard to appropriate circumstances and at its sole discretion, LoyaOne may disable and/or terminate the accounts of any user who violates our Terms and/or infringes the rights of others.
  • If you feel that your work has been duplicated in such a way that would constitute copyright infringement, or if you believe your intellectual property rights have been otherwise violated, you should provide to us the following information:
    • The electronic or physical signature of the individual that is authorized on behalf of the owner of the copyright or other intellectual property interest;
    • A description of the copyrighted work or other intellectual property that you believe has been infringed upon;
    • A description of the location of the site which you allege has been infringing upon your work;
    • Your physical address, telephone number and email address;
    • A statement, in which you state that the alleged and disputed use of your work is not authorized by the copyright owner, its agents or the law;
    • A statement, made under penalty of perjury, that the aforementioned information in your notice is truthful and accurate, and that you are the copyright or intellectual property owner, representative or agent authorized to act on the copyright or intellectual property owner's behalf.

17. Submitted Content

LoyaOne shall not lay claim to ownership of any content submitted by any visitor, member, or platform user, nor make such content available for inclusion on our platform. Therefore, you hereby grant us the below listed worldwide, royalty-free and non-exclusive licenses, as applicable:

  • The content submitted or made available for inclusion on the publicly accessible areas of the platform, the license provided to permit to use, distribution, reproduce, modify, adapt, publicly perform and/or publicly display said Content on our network Services is for the sole purpose of providing and promoting the specific area to which the content was placed and/or made available for viewing. This license shall be available so long as you are registered on LoyaOne, and shall terminate at such time when you elect to discontinue your membership.
  • Photos, videos, and/or graphics submitted or made available for inclusion on the publicly accessible areas of the LoyaOne platform, the license provided to permit to use, distribute, reproduce, modify, adapt, publicly perform and/or publicly display said Content on our network Services are for the sole purpose of providing and promoting the specific area in which this content was placed and/or made available for viewing. This license shall be available so long as you are a member of LoyaOne platform and shall terminate at such time when you elect to discontinue your membership.
  • For any other content submitted or made available for inclusion on the publicly accessible areas of LoyaOne platform, the continuous, binding and completely sub-licensable license which is meant to permit to use, distribute, reproduce, modify, adapt, publish, translate, publicly perform and/or publicly display said content, whether in whole or in part, and the incorporation of any such Content into other works in any arrangement or medium currently used or later developed.

18. Applicable Law and Dispute Settlement

  • You agree that these Terms & Conditions and any contractual obligation between You and LoyaOne Technologies Limited will be governed by the laws of the Federal Republic of Nigeria.
  • If a dispute or difference arises as to the validity, interpretation, effects, or rights and obligations of the Parties under these Terms & Conditions, the Parties shall use their best endeavor to reach an amicable settlement of dispute.
  • If any such dispute is not settled between the Parties within twenty-one (21) days, the Parties agree to submit such dispute to Mediation at the Lagos State Multi-Door Courthouse (LMDC) for resolution under the provisions of Lagos State Multi-Door Courthouse (LMDC) Law 2007.

19. Contact Information

If a User has any questions/complaints concerning LoyaOne, its website or application, these Terms & Conditions, or anything related to any of the foregoing, our user support can be reached at the following email address: hello@loyaone.com