Terms & conditions
1.2. The App is owned and operated by Reloyalty Limited, trading as Reloyalty (“Reloyalty”) which is a private limited company, registered in the UK as a subsidiary of Reloyalty LLC (Bulgaria) with Public Register Number: 11553096, registered seat in London, United Kingdom, W1H 6EF, 3 Fitzhardinge street, 3rd floor and email for correspondence: firstname.lastname@example.org. Reloyalty is regulated by the UK Financial Conduct Authority as an “account information service provider” (as defined in the Payment Services Regulations 2017 (“PSRs”) with registration number …………..
1.3. The present terms constitute an agreement between the user (“you”, “your”) and Reloyalty (“we”, “us” and “our””) which, if you have explicitly agreed, will provide you personalized benefits and loyalty perks, such as cashback and access to loyalty campaigns (“Reloyalty Service”) offered by the merchants whose services or products you use (“Merchants”) based on your transactions through your Open bank account(s) (“Open Bank Account”).
1.6. These Terms apply only to your use of your Reloyalty App and Service. Note that any app store where you download the App may have its own terms and conditions, over which we have no control. Any terms which apply to your use of the Banking App will also continue to apply as will any terms you have with your respective mobile network provider or your internet service provider.
- The Basics
2.1 To use the Reloyalty App and the Services provided through it, you must be 18 or over. By agreeing to these Terms and registering a Reloyalty account you are representing to us that you are 18 and we can rely on this representation.
2.2 The Reloyalty App and the Services provided through it are only directed at people who access the App and use the Services in the UK. If you choose to use the App and/or the Services outside the UK, you do so at your own initiative and risk.
2.3 We grant you a limited licence to use the App to access and use the Reloyalty Service for your own personal and non-commercial use, provided that you comply fully with these Terms. If you use your Reloyalty Service for any commercial, business or resale purpose, we will have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.
2.4. The Reloyalty App is free to download and it is free to use the Service provided through it.
- The Reloyalty Service
3.1. The present Terms constitute an agreement between you and Reloyalty which provides an online and mobile loyalty platform to its users through its website http://reloyalty.com/ and the App available in Google Play and Apple AppStore (referred to as the “App”). To be able to use our Service you must securely integrate your Open Banking Account with your Reloyalty App which will allow you to take part in our special offers and loyalty campaigns offered by the Merchants from our network (a “Loyalty campaigns”) and thus to receive cashback or other loyalty perks, as may be offered by our Reloyalty service (“Cashback”, “Perks”).
3.2. Based on your explicit consent and authorization received as part of your registration, we will receive automatically via your connected card(s) held by your bank(s) encrypted information about the transactions you make (e.g. place, time and value of transaction) which will be used to provide you with the most advantageous offers and Loyalty campaigns for the Merchants in our network. Our access to your account information will be only limited to collect your transaction data for the provision of our Service and we will not be able to make any changes to your financial accounts whatsoever (e.g. make any payment or perform any other action on your account). The transmission of this information is secured with an equivalent to the bank level encryption code and will not include information about your credit/debit card number or security code to which we will not have access in any circumstances. It is important for you to know also that you reserve the right to disconnect your card at any time by contacting your bank.
3.4. If you have agreed at the time of your signing up or later, Reloyalty may send you offers from the Merchants from our network for which you will be notified through the App, including discount offers on specific products or services which may be of interest to you or invitations to participate in Loyalty campaigns with one or more Merchants. You can always easily opt out from receiving such messages by following the unsubscribe function of the notifications, оr changing your preferred notification settings from here………
3.5. The offers displayed on your App will stipulate exactly the conditions which you have to fulfill to benefit from the Loyalty campaign and the Perks and/or the amount you will be entitled to receive as a Cashback. If you decide to participate in a Loyalty campaigns offered by a Merchant, you have to comply with the requirements as set out in the offer within the time prescribed and purchase your offer directly from the Merchant’s shops or website. Note that you buy the product or the service not from us, but from the Merchant who remains the sole responsible for the product or the service for which Reloyalty bears no liability.
3.6. Once we have verified through your connected card that your transactions with a Merchant fulfill the requirements of a Loyalty campaign, we will notify the Merchant who may provide Reloyalty with a commission in exchange for promoting the Merchant’s Loyalty campaign to you. We fully respect your privacy and we do not disclose to the Merchants any identifying information about you, but only the necessary details about your anonymized participation in the Loyalty campaign in order to redeem the offers in which you have taken part. Reloyalty will hold the commission as its own funds and your right to the Cashback will arise under these Terms and not under any other terms or agreement you may have with the Merchant.
3.7. Once the Merchant has paid to us the cachback and the commission, Reloyalty will then notify you there is a Cashback available to you in exchange for your participation in the Loyalty campaign and for providing us access to the information about your transactions. We will pay the Cashback into your bank account from which you paid for the transaction which should normally happen within 1 working day after we have received it subject to the limitation that these Terms must not be terminated by you or us before a Cashback payment is due.
3.8. Reloyalty is entitled to stop providing Loyalty campaigns due to any legal or regulatory reasons or obligations which may be imposed on us as a Service provider, or if a Merchant has decided to stop providing a Loyalty campaigns and/or has failed to pay Reloyalty’s commission fee, as mentioned in point 3.6 above, or has failed to comply with some other provision(s) of our Terms with the Merchants.
3.9. If it happens that a Loyalty campaign is terminated, we will still pay you the Cashback due to you in relation to any redemption event that you may have earned prior to the end of the Loyalty campaign, but we will not redeem events after the Loyalty campaign is no longer available.
3.10. You can opt in to use also other ancillary services that we plan to offer through the App such as analytics of your connected credit or debit card transactions (e.g. spending habits), so you can better plan your budget and decide on offers and spendings. Once these ancillary services are available on the App we will let you know and you will be able to choose whether to receive such reports on not.
- Registering a Reloyalty Account
4.1. Why register? To put simply, you need an account in order to benefit from the Reloyalty service e.g. view the available loyalty campaigns and the Merchants providing offers via the Reloyalty App, redeem them, view your past history, store your details and modify your preferences, upgrade your loyalty profile etc.
4.3. In order to register and access your account, you will need to choose a password. Any login details you create in relation to your Reloyalty account are for your own personal use only and you must keep them confidential and secure. Sharing your login details with any other person is strictly prohibited.
4.4. If you suspect or become aware of any unauthorised use of your Reloyalty account login details or any breach of our security, you must immediately notify is by sending an email to us at email@example.com giving details of the unauthorised use or breach.
4.5. One individual user is allowed to register only one account on the App.
4.6. You warrant that you will not create fraudulent accounts. You also warrant that you will not use any fraudulent or illegal activities to generate unfair Cashback through the Service provided by the App to be paid to you. In the event of suspected fraud, we will contact you using the contact details you provided to us during the Reloyalty registration process and may share your data with third parties without your consent to prevent or detect fraud.
4.7. Without prejudice to our rights and remedies, we reserve the right to promptly disable your Reloyalty login details and suspend access to your account, if in our reasonable opinion, we believe that you have breached any of the provisions of these Terms.
- Support and Communications with Users
5.1. Reloyalty places great value at proving you timely and effective customer support. When needed, you can contact us by using the in-app chat support function of your Reloyalty account or by writing to us by email at firstname.lastname@example.org or by post to the following address …………….. The language of communication will be English. Our customer support team will aim to respond to all requests within 1 working day and solve your request at the earliest possibility. We strive to constantly improve our service, but if you remain unsatisfied from our response or service we have also a complaint handling policy available here…………….
5.2. If Reloyalty needs to communicate with you, we will either communicate general or customer specific messages to individual users via the in-app notification function, push notifications, text message or email address. In the event of suspected fraud, we will contact you using the contact details you provided to us during the Reloyalty registration process.
- Technical Requirements
6.1. In order to use our Reloyalty App, you are required to have internet access and a device with the Banking App installed. Your device will need to meet the necessary minimum specifications set to operate the Banking and the Reloyalty Apps.
6.2. You must ensure that your device contains adequate anti-virus protection and any appropriate firewall protections to prevent unauthorized access and use.
6.3. We reserve the right to upgrade the functionality of the Reloyalty App from time to time which may require you to update the App in order to continue to use it.
- Availability of the App and the Service
7.1 We will try to ensure that your Reloyalty App and the Service provided through it is always available for use, but we cannot guarantee that access to the App will be available at all times or without delay.
7.2. You acknowledge that the Reloyalty App and the Service provided through it may be interrupted or may be variable in certain circumstances. If this happens, it will be to make your experience better, enhance functionality and security or for reasons beyond our control and we do not accept liability for any interruption, modification, or discontinuation of the Service or any of its functions or features thereof.
- What Are You Allowed to Do
8.1. Your right to use your Reloyalty App is personal to you and is only for non commercial use in accordance with these Terms. Subject to your compliance with these Terms, you are allowed to:
- access, view and use the App and the Service provided through it;
- retrieve, view and display content from the App on a computer or mobile device screen;
- copy, store and share accidental screenshots of the Reloyalty App only to the extent that you need to provide them for bug handling and other errors we need to improve, but you must not provide third parties with direct access to your Reloyalty App.
8.2. The ways in which you can use your Reloyalty App and the Service provided through it may also be governed by terms imposed by the app store from which you downloaded the Reloyalty App. In the event of a conflict between these Terms and the relevant app store terms, the app store terms shall take priority.
- What Are You Not Allowed to Do
9.1 It is strictly forbidden and you must not engage in any of the following activities:
- submit any inaccurate or falsified information, committing or otherwise engaging in fraud or money-laundering;
- copy any part of the Reloyalty App except as part of the normal use of your Reloyalty Service or where it is necessary for the purpose of back-up under the conditions and to the extent permitted by these Terms, or otherwise subject to receiving our prior written consent;
- distribute, sub-license, assign, share, or otherwise transfer the Reloyalty App or your right to use your Reloyalty Service to any other party, be it a natural or legal person for any reason;
- circumvent, disable or otherwise interfere with security-related features of your Reloyalty App or features that limit, prevent or restrict use or copying of any part of the Reloyalty App;
- use your Reloyalty App and the Service provided through it in any unlawful manner, for any unlawful purpose, or in any manner inconsistent with these Terms;
- act maliciously, including by hacking, cracking, introducing malicious or technology harmful material such as viruses, trojan horses, denial-of-service attack or a distributed denial-of service attack etc. or attempting unauthorised access or attack on any computer system, server, database etc. connected to our services and the App;
- infringe or circumvent any rights (including intellectual property rights) belonging to us or any third party in relation to your use of the Reloyalty App and the Service provided through it;
- attempt to unreasonably interfere with the use of, or the access to, the App and the Service provided through it by us or other users, or to disrupt, reverse-engineer or otherwise alter any of the Reloyalty’s Infrastructure;
- use your Reloyalty App and the Service provided through it in any manner not expressly authorised by these Terms unless we have given you a prior written permission to do so.
9.2. All rights granted to you under these Terms will terminate immediately in the event that you have not followed your responsibilities as required by them (legally known as a “breach”). Note that some of the actions above also constitute criminal offences (e.g. financial attacks or cyber attacks) which are prosecuted by Law Enforcement Authorities with whom we will cooperate and disclose your personal details.
- Intellectual Property Rights
10.1 All intellectual property rights (which includes rights such as copyright, and rights in trade marks) in any content of the App (including text, graphics, software, photographs and other images, videos, sound, trade marks and logos) are owned by us and/or our licensors. Except as expressly set out in these Terms, nothing in these Terms gives you any rights in respect of any intellectual property owned by us or our licensors and you acknowledge that you do not acquire any ownership rights by downloading content from the App other than the right to use the App and the Service provided through it in accordance with these Terms. If you print off, copy or store pages from the App (only as permitted by these terms and conditions), you must ensure that any copyright, trade mark or other intellectual property right notices contained in the original content are reproduced.
10.2 You agree that by submitting any posting, images or other content for publication on the App (Your Content), you retain any copyright you may have in Your Content, however you grant us and our affiliates a perpetual, irrevocable, worldwide, non-exclusive, royalty-free and fully sub-licensable right and licence to use, reproduce, edit, modify, adapt, publish, translate, create derivative works from, distribute, perform and display such content (in whole or in part) and/or to incorporate it into other works in any form, media or technology, whether for commercial or non-commercial purposes. You waive any moral rights you may have in, or to be identified as the author, of Your Content.
10.3 You are solely responsible for Your Content (including content you share with other sites, such as social networking sites) and we do not endorse Your Content or any opinion, recommendation, or advice expressed therein, and we expressly disclaim any and all liability in connection with Your Content.
- Review Forums
11.1. The App may, from time to time, make message boards, news groups and/or other public forums (collectively Review Forums) available to you so that you can feedback on Services offered on the App and read the feedback submitted by other users of the App. We do not control the material submitted to Review Forums (collectively Postings), nor are Review Forums moderated. You are solely responsible for the content of your Postings as submitted by you and acknowledge that all Postings express the views of their respective authors, and not our views.
11.2. If you participate in any Review Forum, you must:
- keep all Postings relevant to the purpose of the Review Forum and the nature of any topic;
- not submit any Posting that is unlawful, threatening, abusive, libellous, pornographic, obscene, vulgar, indecent, offensive or which infringes on the intellectual property rights or other rights of any person;
- not submit any Posting that contains any viruses and/or other code that has contaminating or destructive elements;
- not submit any Posting containing any form of advertising; and
- not impersonate, or misrepresent an affiliation with, any person or entity.
11.3. You agree that, by submitting any Posting, you grant us and our affiliates a perpetual, irrevocable, worldwide, non-exclusive, royalty-free and fully sub-licensable right and licence to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform and display such Posting (in whole or part) and/or to incorporate it in other works in any form, media or technology, and you waive any moral rights you may have in, or to be identified as the author, of such Posting.
11.4. Whilst we do not screen or monitor Postings, we reserve the right, in our sole discretion, to delete, edit or modify any Posting submitted by you and/or to close any topic, at any time without notice to you.
11.5. Complaints about the content of any Posting must be sent to email@example.com and must contain details of the specific Posting giving rise to the complaint.
- External Links
12.1 The App may, from time to time, include links to external sites. We have included links to these sites to provide you with access to information and services that you may find useful or interesting. The links are for your reference only. We are not responsible for the content of these sites or for anything provided by them and do not guarantee that they will be continuously available. The fact that we include links to such external sites does not imply any endorsement of or association with their operators.
12.2. Please note, that these websites have their own privacy policies which you should read to know more how they process your personal data.
- Our Service Standards
13.1. We warrant that we will exercise reasonable care and skill in performing our obligations under these Terms. Provided we have done so, we shall not be liable for errors or omissions. In the event of an error or omission we will use reasonable endeavours to correct any errors or omissions as soon as reasonably practicable after we become aware.
13.2. Except as expressly stated in these Terms, all warranties, conditions or other terms, whether express or implied by statute or common law or otherwise are excluded to the fullest extent permitted by law. This does not stop you from exercising your legal rights under general law to the extent that we cannot lawfully exclude them, or claiming any remedies you might be entitled to under general law.
- Our Liability
14.1. Nothing in the Terms excludes or limits our liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited under English law. We will not be liable for any failure to perform or delay in performance of any of our obligations that are caused by events outside our reasonable control.
14.2. Reloyalty excludes all liability in respect of the Merchants’ products and services you use, including in respect of the quality, safety, usability or any other aspect in respect of which an offer is or may be redeemed or refunded by the Merchant. Still, our Reloyalty Service allows you to send feedback and rate Merchants and we welcome your feedback which would also enable us to restrict and disable Merchants who consistently receive complaints or poor rating and/or which engage in consumer harmful practices.
14.3. Your use of the App is free of charge and you acknowledge that we are not liable to you for any loss of savings or profit, loss of business or loss of opportunity or for any indirect, consequential or unforeseeable losses.
- Changes To the Reloyalty App
15.1. From time to time we may change the format, content or any other feature of the App to improve functionality and security, enhance the performance and the quality of the App and the Service provided through it. We reserve the right to modify, change, substitute or withdraw any feature, content or other information and you agree that your use of the Reloyalty App and the Service is on an ‘as is’ and ‘as available’ basis.
15.2. If you choose not to install any updates or if you opt out from automatic updates you may not be able to continue using your Reloyalty App and the Service provided through it.
- Changes To These Terms
16.1.We reserve the right to amend these Terms at any time as it may be needed. We are under no obligation to notify you of any changes to these Terms that result in minor adjustments or corrections.
16.2. If we introduce substantial changes, we will aim to notify you about the changes in advance by email. If you notify us within this preliminary notice period that you do not accept the changes, these Terms will terminate immediately. By continuing to use your Reloyalty App within or after the preliminary notice period, you are representing to us that you accept the changes to these Terms. In this case, your continued use of the App and any new participation in the Loyalty campaigns will be bound by the new Terms.
- Transfer Of Rights
17.1. We may transfer our rights and obligations under these Terms to another organisation. If this happens, we will notify you by email and we will ensure that the transfer will not affect your rights under these Terms.
17.2. You may only transfer your rights or your obligations under these Terms to another person if we agree in writing or by email.
- Suspension and Termination
18.1. We may suspend or terminate all or part of your use of the App, your account and/or our agreement to provide you the Reloyalty Service if you use the App and the Service in breach of these Terms and we do not reasonably consider that your breach can be excused or resolved or if you have failed to resolve it to our reasonable satisfaction after we have asked you to do so and have given you a reasonable opportunity.
18.2. You can always terminate these Terms and cease using our App and the Service provided through it by contacting us by email on firstname.lastname@example.org.
18.3. Upon termination for any reason all rights granted to you under these Terms cease, including any rights to cashback under a Loyalty campaign, and you must delete your Reloyalty App from your mobile device.
18.4. Termination shall not prejudice any other right or remedy you or we may have in respect of accrued rights (including rights in respect of any breach) or liabilities which arose prior to termination.
19.1 If we fail to enforce any of our rights, it does not result in a waiver of that right. If we do not insist immediately that you do anything you are required to do under these Terms, or if we delay in taking steps against you in respect of your breach of these Terms, it will not mean that you do not have to do those things and it will not prevent us taking steps against you at a later date.
19.2. If any provision of these Terms is found to be unenforceable, that provision shall be struck out and where capable all other provisions shall remain in force unaffected.
19.3. These Terms may not be varied except with our express written consent.
19.4. These Terms and any document expressly referred to in them constitute the entire agreement between you and us about the subject matter of these Terms and, in relation to such subject matter, supersedes and extinguishes all earlier understandings and agreements between you and us and all earlier representations by us, including any innocent or negligent misrepresentations. We do not limit our liability to you for any fraudulent misrepresentations made by us in these Terms or otherwise.
19.5. These Terms are governed by English law and the parties agree to submit to the exclusive jurisdiction of the English courts.