Terms & Conditions

The key terms used throughout this document carry the meanings set out below.

These Terms apply from the moment you first access or use the Platform in any way — browsing our website, registering an account, enrolling in a program, or accessing our API — whether or not you complete registration. They form the entire agreement between you and LoyltWorks regarding the Platform, unless superseded by a separately signed Master Services Agreement (MSA), in which case the MSA prevails to the extent of any inconsistency.

2.1 Individual Users

You must be at least 18 years of age (or the minimum legal age in your jurisdiction, if higher), capable of entering a binding agreement, and must provide accurate and current registration information. The Platform is not intended for use by individuals below 18 without prior verified parental or guardian consent; Business Clients operating programs accessible to minors are responsible for obtaining that consent.

2.2 Business Clients

You must be a validly incorporated entity with full legal authority to enter commercial agreements, must not be subject to any sanctions or legal restrictions preventing Platform use, and must execute a Data Processing Agreement with LoyltWorks before activating any program involving personal data of Loyalty Members.

LoyltWorks reserves the right to verify eligibility at any time and to suspend or terminate access where these conditions are not met.

LoyltWorks provides an AI-powered loyalty management platform as a Software-as-a-Service offering, including:

• Platform Access: programme configuration, member management, analytics, and reward catalogue tools.
• APIs & Integrations: connectors for POS, ERP, CRM, e-commerce, and payment systems.
• White-Label Portals: branded loyalty member portals under your own domain.
• AI Loyalty Engine: churn prediction, personalised reward recommendations, and campaign targeting.
• SFA Module: field visit logging, order capture, and GPS-based coverage tracking.
• QR Engine: scan-and-earn infrastructure for product packs, receipts, and events.
• LMS Integration: training-linked point crediting and certification tracking.
• Reward Fulfilment: voucher issuance, cashback, and bank/UPI transfer processing.

LoyltWorks may modify, expand, or discontinue any feature with reasonable prior notice. Where a discontinued feature materially affects a Business Client's program, we will provide at least 60 days' written notice.

You agree to provide accurate and current information when registering, and to keep it updated. You are solely responsible for the confidentiality of your account credentials and for all activity occurring under your account. You must notify us immediately if you suspect unauthorised access using the contact details in Section 17.

Business Client accounts may have multiple user seats with different permission levels; the Business Client is responsible for managing those seats and for all actions taken under its account. A Loyalty Member may hold only one account per program — creating duplicate accounts to circumvent program limits constitutes fraud and will result in termination and forfeiture of points.

Loyalty Member accounts inactive for 24 continuous months may be designated dormant and become subject to point expiry under the applicable Program Rules, with at least 60 days' prior notice provided to the account holder.

Business Clients operating loyalty programs on the Platform agree to:

• Design and operate programs in compliance with all applicable laws, including consumer protection, competition, and advertising regulations, and not operate programs that constitute pyramid schemes or illegal lotteries;
• Communicate Program Rules clearly to Loyalty Members before enrolment, and provide at least 30 days' notice of material changes to those Rules;
• Obtain valid consent from Loyalty Members before submitting their personal data to LoyltWorks, and execute a Data Processing Agreement prior to going live;
• Comply with all tax obligations arising from rewards issued, including GST and TDS where applicable, and maintain accurate records for audit purposes;
• Ensure rewards offered are genuinely funded and that redemption obligations can be honoured — LoyltWorks bears no liability for unfunded reward liabilities created by a Business Client;
• Handle Loyalty Member grievances relating to program design and reward disputes directly, as the Business Client remains the Data Fiduciary and program operator.

You must not, and must not permit any third party to:

• Create fake or duplicate accounts, or generate fictitious transactions, fake QR scans, or fabricated outlet visits to earn points fraudulently;
• Manipulate, reverse-engineer, or tamper with the Platform's point calculation, QR validation, or SFA location systems;
• Use bots, scripts, or automated tools to simulate human interaction for the purpose of earning points or rewards;
• Sell, transfer, or auction Loyalty Points or Rewards outside the scope of the applicable Program Rules;
• Probe, scan, or attempt unauthorised access to the Platform's infrastructure, or introduce malware, viruses, or conduct denial-of-service attacks;
• Scrape, crawl, or harvest data from the Platform without our express written consent, or attempt to decompile or reverse-engineer any part of it;
• Use the Platform to facilitate money laundering, process personal data unlawfully, or upload content that is defamatory, obscene, or otherwise unlawful;
• Infringe LoyltWorks' or any third party's intellectual property rights, or impersonate LoyltWorks or any other user.

Loyalty Points are digital credits, not currency. They have no monetary value, cannot be converted to cash unless the applicable Program Rules expressly permit cashback, and are not transferable between accounts unless those Rules allow it. The obligation to fund and honour reward redemptions rests solely with the Business Client operating the program — LoyltWorks provides the technology infrastructure only.

Points are credited based on data received from a Business Client's systems, POS integrations, QR scans, SFA app, or LMS completions. LoyltWorks is not responsible for delays caused by third-party connectivity failures, non-crediting of points for reversed or cancelled transactions, or disputes over whether a transaction qualifies under the applicable Program Rules — such disputes are between the Loyalty Member and the Business Client.

Points and rewards may be adjusted, corrected, or reversed where credited in error, earned through prohibited activity, or where an underlying transaction is later reversed. Where a program offers cashback or other financial rewards, the Business Client is responsible for all applicable tax obligations, including GST and TDS; LoyltWorks acts only as a payment facilitator and accepts no responsibility for those tax obligations.

A Business Client may close a program at any time, subject to providing Loyalty Members at least 90 days' written notice, during which all accumulated points must remain redeemable.

Business Clients pay subscription fees in accordance with their selected pricing plan, payable in advance of the relevant subscription period and exclusive of applicable taxes. Additional charges may apply for usage beyond plan limits, such as excess members, API calls, or additional integrations, and will be invoiced monthly in arrears.

Invoices are payable within 30 days unless otherwise agreed. Late payments attract interest at 1.5% per month or the maximum rate permitted by law, whichever is lower. Disputed invoice items must be raised in writing within 15 days of the invoice date; undisputed amounts remain payable by the due date. LoyltWorks may suspend Platform access where fees remain unpaid for more than 15 days beyond the due date, and may terminate the subscription if non-payment continues beyond 30 days.

Subscription fees are generally non-refundable, except where LoyltWorks terminates a subscription without cause before the end of a prepaid period, in which case a pro-rata refund will be provided. LoyltWorks may revise its pricing with 60 days' written notice prior to renewal.

The Platform, including all software, algorithms, AI models, designs, branding, and trademarks (including the "LoyltWorks" name and logo), is and remains the exclusive property of Loyltworks IT Private Limited, protected under applicable intellectual property laws. Nothing in these Terms grants you any right or title in our intellectual property beyond the limited licence in Section 10.

Business Clients retain ownership of their own branding, trademarks, and content, and grant LoyltWorks a limited licence to use such content solely to operate the Platform on their behalf, including rendering white-label portals and program communications. Any feedback or suggestions you provide may be used by LoyltWorks without restriction or compensation.

You must not copy, reproduce, or create derivative works from the Platform, use our trademarks without written permission, remove proprietary notices, or frame or embed the Platform within another website or application.

Subject to your compliance with these Terms, LoyltWorks grants you a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform solely within the scope of your role — as a Business Client to operate your programs, as a Loyalty Member to participate in programs you have joined, or as a Website Visitor to browse public content. This licence confers no ownership rights.

Each party agrees to keep the other's confidential information strictly confidential and to use it only for the purposes of these Terms, except where disclosure is required by law or where the information becomes public through no fault of the receiving party. Confidentiality obligations survive termination of these Terms for five years, and indefinitely for trade secrets.

The collection, use, and processing of personal data through the Platform is governed by our Privacy Policy, which forms part of these Terms. Business Clients must execute a Data Processing Agreement before activating any program involving personal data of Loyalty Members; that DPA governs LoyltWorks' obligations as a Data Processor and the Business Client's obligations as the Data Fiduciary.

The Platform integrates with third-party services such as POS, ERP, payment, and communication providers. LoyltWorks makes no warranty regarding the availability or security of these third-party services and is not liable for losses arising from their downtime, errors, or data security incidents occurring on their own infrastructure.

THE PLATFORM IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW, LOYLTWORKS DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT, AND DOES NOT WARRANT THAT THE PLATFORM WILL BE UNINTERRUPTED, ERROR-FREE, OR FULLY SECURE. LOYLTWORKS DOES NOT WARRANT THE COMMERCIAL SUCCESS OF ANY LOYALTY PROGRAM, WHICH DEPENDS ON FACTORS BEYOND OUR CONTROL.

To the maximum extent permitted by law, LoyltWorks shall not be liable for loss of profits, revenue, data, goodwill, or business interruption, or for any indirect, incidental, or consequential damages arising out of these Terms or the Platform. Subject to the exceptions below, LoyltWorks' total aggregate liability shall not exceed, for Business Clients, the subscription fees paid in the preceding 12 months, and for Loyalty Members, INR 10,000 or the value of Rewards directly lost due to LoyltWorks' proven error, whichever is lower.

Nothing in these Terms limits LoyltWorks' liability for death or personal injury caused by our negligence, fraud, or any liability that cannot be excluded under applicable Indian law. LoyltWorks is a technology platform provider only; the obligation to fund and fulfil Rewards rests solely with the Business Client operating the program, and LoyltWorks is not liable for a Business Client's failure to do so.

You agree to defend, indemnify, and hold harmless LoyltWorks, its directors, officers, and employees from any claims, liabilities, and costs (including reasonable legal fees) arising from your breach of these Terms, your violation of applicable law, any loyalty program you design or operate as a Business Client, your failure to obtain adequate consent or comply with data protection obligations, infringement of third-party intellectual property arising from content you upload, or any fraudulent or negligent acts on your part. LoyltWorks reserves the right to assume control of the defence of any indemnified matter at your expense.

A Business Client may terminate its subscription with 30 days' written notice, subject to settlement of outstanding fees. LoyltWorks may terminate immediately for material breach not remedied within 14 days of notice, fraudulent or illegal activity, non-payment beyond 30 days, or where continued service would require us to violate applicable law. LoyltWorks may also terminate without cause with 90 days' notice to Business Clients (with a pro-rata refund of prepaid fees) or 30 days' notice to Loyalty Members.

We may suspend access without prior notice where we reasonably suspect active fraud, a data breach requiring immediate containment, or a security threat, and will notify the affected party as soon as practicable and lift the suspension once the concern is resolved.

On termination, all licences granted are revoked, outstanding fees become immediately due, and LoyltWorks will provide Business Clients with a data export of their program data within 30 days. Provisions that by their nature survive termination — including Intellectual Property, Confidentiality, Limitation of Liability, Indemnification, and Governing Law — continue to apply.

In the event of any dispute, the parties shall first attempt good-faith informal resolution for 30 days from written notice of the dispute. If unresolved, the dispute shall be finally settled by binding arbitration under the Arbitration and Conciliation Act, 1996, before a sole arbitrator, seated in Bengaluru, Karnataka, and conducted in English. Either party may seek urgent injunctive relief from a competent court to protect intellectual property or confidential information pending arbitration. All disputes shall be resolved on an individual basis; you waive any right to participate in class or representative proceedings against LoyltWorks.

These Terms are governed by the laws of the Republic of India. Subject to Section 15, the courts of Bengaluru, Karnataka have exclusive jurisdiction over any matter not subject to arbitration.

LoyltWorks is not liable for delays or failures caused by events beyond its reasonable control, including natural disasters, pandemics, government restrictions, internet or power outages, or large-scale cyberattacks. If such an event continues for more than 60 consecutive days, either party may terminate the affected subscription without penalty.

LoyltWorks may amend these Terms at any time. Material changes affecting fees, liability, or data processing will be notified at least 30 days in advance to Business Clients (15 days for Loyalty Members); non-material changes will simply update the "Last Updated" date. Continued use of the Platform after a change takes effect constitutes acceptance of the revised Terms.

For any queries, notices, or concerns relating to these Terms, please contact us through the channels below.

By using the LoyltWorks Platform, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.
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