Terms
of Use

1. Agreement to these terms

These Terms of Use ("Terms") are a binding agreement between you and Loyaly.AI ("Loyaly", "we", "us", "our"). They govern your use of the Loyaly consumer app, the Loyaly Merchant App and Merchant Dashboard, the loyaly.ai website, and any related services.

By creating an account, downloading the app, or using any part of the service, you confirm that you accept these Terms and our Privacy Policy. If you do not accept them, please do not use Loyaly.

If you use Loyaly on behalf of a business, you confirm that you are authorised to bind that business, and "you" means that business.

2. Eligibility and your account

• You must be at least 18 years old and capable of entering into a contract under the Indian Contract Act, 1872.
• You register with a valid mobile number and verify it by OTP. Keep your number, device, and account secure — activity carried out through your account is treated as yours.
• One person may hold one account. Creating multiple accounts to earn additional rewards is a breach of these Terms.
• The information you give us must be accurate and kept up to date. We may suspend an account we cannot verify.
• Tell us immediately at loyalydigital@gmail.com if you believe your account has been accessed without your permission.

3. LYTs, coupons, and rewards

LYTs are Loyaly’s in-app reward points. They are a promotional benefit, not money, not a deposit, and not a stored-value or prepaid payment instrument.

• Value: 1 LYT carries a redeemable value of ₹1 against eligible purchases at participating stores. LYTs cannot be exchanged for cash, transferred to another user, or sold.
• Earning: you can earn LYTs through activities such as daily app login, walking challenges, in-app games (Maze, Spin Wheel, Scratch Card, Match Master), Selfie Booth visits, and campaigns we run from time to time. Earning rules, rates, and caps are shown in the app and may change.
• Redeeming: LYTs and coupons are redeemed in person at participating stores, subject to each store’s terms, stock, and any minimum spend shown with the offer.
• Validity: LYTs remain valid while your account is active. Coupons and campaign offers carry their own expiry, shown at the time of issue.
• Adjustment: we may withhold, reverse, or cancel LYTs and coupons that were awarded in error, through a technical fault, or through activity that breaches these Terms.
• Closure: if your account is closed by you or by us, any unredeemed LYTs are forfeited.

4. Games and the Battery Challenge

Our games and the Battery Challenge are promotional mechanics for distributing discounts. They are not gambling, involve no stake or entry fee, and no purchase is necessary to play.

• The reward available from a game is set by the merchant running the campaign, within the maximum discount they configure.
• The Battery Challenge selects a surprise coupon based on your device battery percentage when you open the app. The outcome is determined by that reading and the merchant’s configured offers.
• Each campaign states how often you may play. Automating play, using emulators or modified clients, or manipulating device readings to influence an outcome is prohibited.
• We may end, pause, or modify any campaign or game at any time.

5. Terms for merchants

If you register a store on Loyaly, the following also applies to you:

• You are responsible for the accuracy of your store profile, product listings, prices, and offer terms, and for honouring every coupon and LYT redemption you have made available through the platform.
• You must hold the licences, registrations, and consents needed to sell your products and run your promotions, and must comply with applicable consumer protection, advertising, and tax law.
• You set the maximum discount on each campaign. Campaign costs, discounts funded, and any platform fees are settled under your separate commercial agreement with Loyaly.
• Analytics in the Merchant Dashboard are provided for your business use. You must not attempt to re-identify individual shoppers from aggregated data, or use the platform’s data to contact users outside Loyaly without their consent.
• If you deploy cameras, sensors, or a Selfie Booth on your premises, you are responsible for lawful notice and consent at that location.
• You may not withdraw an offer a customer has already earned, or impose conditions that were not disclosed when the offer was issued.

6. Acceptable use

When using Loyaly you must not:

• use bots, scripts, emulators, rooted or modified builds, GPS spoofing, or any other means to fake activity, steps, location, or store visits;
• create duplicate or fake accounts, or trade, buy, or sell accounts, LYTs, or coupons;
• reverse engineer, decompile, scrape, or interfere with the apps, the website, or our infrastructure, or attempt to bypass security or rate limits;
• upload content that is unlawful, obscene, defamatory, infringing, or that contains another person’s personal data without their consent;
• misuse a Selfie Booth or upload images of other people without their permission;
• use Loyaly for any unlawful purpose, or in a way that damages the platform or other users.

We may investigate suspected breaches, and may withhold rewards, suspend, or terminate accounts involved.

7. Your content

You keep ownership of the photos, reviews, and other content you submit. By submitting it, you grant Loyaly a non-exclusive, royalty-free, worldwide licence to host, store, reproduce, and display that content for the purpose of operating and promoting the service, for as long as you keep it on the platform.

You confirm you have the rights needed to grant that licence. We may remove content that breaches these Terms or the law.

8. Our intellectual property

The Loyaly platform, including the apps, website, software, designs, and the Loyaly.AI, Behavision, SpendSense, and Dyscount names and logos, belongs to Loyaly or its licensors. These Terms grant you a limited, personal, non-transferable, revocable licence to use the service as intended — they transfer no ownership.

Merchant names and logos shown in the app belong to those merchants and are used with their permission.

9. Stores, third parties, and app stores

Loyaly is a platform that connects you with independent stores. The sale itself happens between you and the merchant. Product quality, pricing, stock, service, warranties, returns, and refunds are the merchant’s responsibility, and any dispute about a purchase should be raised with them first — though we will help where we can.

Your use of the apps is also subject to the Apple App Store or Google Play terms. Those platforms are not parties to these Terms and have no responsibility for the service.

10. Service availability and changes

We aim to keep Loyaly available, but the service is provided on an "as is" and "as available" basis. We may add, change, suspend, or withdraw features, campaigns, or the service itself, and may carry out maintenance that causes downtime.

Where a change materially affects rewards you have already earned, we will give reasonable notice in the app or by email.

11. Disclaimers and limitation of liability

To the extent permitted by law, we exclude implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the service will be uninterrupted, error-free, or that any particular reward or discount will be available.

To the extent permitted by law, Loyaly is not liable for indirect, incidental, special, or consequential loss, or for loss of profits, goodwill, or data. Our total liability arising out of or in connection with the service is limited to the greater of the amounts you paid us in the three months before the claim, or ₹5,000.

Nothing in these Terms excludes liability that cannot be excluded under applicable law, including liability for fraud or for death or personal injury caused by negligence.

12. Indemnity

You agree to indemnify Loyaly and its officers, employees, and partners against claims, losses, and reasonable costs arising from your breach of these Terms, your misuse of the service, your content, or — if you are a merchant — the products, offers, and in-store practices you operate.

13. Suspension and termination

You may stop using Loyaly and delete your account at any time from the app or by writing to us.

We may suspend or terminate your access, with notice where reasonably practicable, if you breach these Terms, if we suspect fraud or abuse of reward mechanics, or if we are required to do so by law. Sections that by their nature should survive termination — including intellectual property, liability, indemnity, and governing law — continue to apply.

14. Changes to these terms

We may update these Terms as the service and the law evolve. We will update the date shown at the top of this page and, for material changes, notify you in the app or by email. Continuing to use Loyaly after an update means you accept the revised Terms.

15. Governing law and disputes

These Terms are governed by the laws of India. Subject to the paragraph below, the courts at Hyderabad, Telangana have exclusive jurisdiction over any dispute.

Before starting proceedings, please contact us at loyalydigital@gmail.com so we can try to resolve the matter. We aim to acknowledge complaints within one business day and resolve them within the period required by applicable law. Nothing here limits your rights under the Consumer Protection Act, 2019, including your right to approach a consumer forum.

16. Contact us

Questions about these Terms, or about an offer, redemption, or account:

• Email: loyalydigital@gmail.com
• Loyaly.AI, Hyderabad, Telangana, India
• Acknowledgement within one business day.