Terms of Use

Last updated: July 7, 2026

In these Terms, "the Operator", "we", "us" and "our" mean [LEGAL NAME] (ABN [ABN]), a sole trader based in New South Wales, Australia, trading as "Your Loyalty Wallet". "You" means the person or business that creates an account or otherwise uses the service. "Service" means the Your Loyalty Wallet mobile applications (iOS and Android), the web portal, and the related websites and APIs.

Welcome to Your Loyalty Wallet. By creating an account or using the Service, you agree to be bound by these Terms of Use and our Privacy Policy. Please read them carefully before using the Service. If you use the Service on behalf of a business, you confirm you are authorised to accept these Terms for that business.

1. Acceptance of Terms

By accessing or using the Service, you agree to these Terms and our Privacy Policy. If you do not agree, please do not use the Service. If you are a business owner, additional processor terms apply to the personal data of your own customers — see our Data Processing Agreement.

2. Eligibility and Capacity

You must be at least 16 years old to create an account. If you are under 18, you may only use the Service with the involvement and consent of a parent or guardian who agrees to these Terms on your behalf. If you create an account for a business, you represent that you have the authority to bind that business to these Terms.

3. Account Registration

To use certain features of the Service, you must create an account. You agree to:

• Provide accurate and complete information during registration
• Maintain the security of your account credentials
• Accept responsibility for all activity that occurs under your account
• Notify us immediately of any unauthorized use of your account

4. Use of the Service

Your Loyalty Wallet provides a digital loyalty card platform for businesses and their customers. You agree to use the Service only for its intended purposes and not to:

• Manipulate stamp counts, spend totals, game scores, or reward eligibility
• Create multiple accounts to gain unfair advantages
• Interfere with or disrupt the Service or its servers, or attempt to gain unauthorized access
• Use the Service for any unlawful or unauthorized purpose, or in breach of any applicable law
• Impersonate another person or misrepresent your affiliation with any entity
• Reverse engineer, scrape, or build a competing product from the Service, except to the extent this restriction is prohibited by law

5. Shop Owner Responsibilities

If you register as a shop owner, you additionally agree to:

• Provide accurate business information
• Honor rewards earned by customers through legitimate stamp collection or qualifying spend
• Not misuse the stamp, spend, or reward system
• Comply with all applicable local laws and regulations for your business, including consumer, privacy, and marketing laws
• Obtain any consents required before sending marketing or push notifications to your customers through the Service

As a shop owner you are the controller of your customers' personal data and we act as your processor. Your handling of that data is additionally governed by the Data Processing Agreement.

6. Loyalty Rewards

Loyalty stamps, spend progress, vouchers, and rewards are managed digitally through the Service. Rewards are set and fulfilled by each participating business, not by the Operator. We are not responsible for the availability, quality, or fulfilment of any reward offered by a shop. Stamps, spend credit, vouchers, and rewards have no cash value, are not redeemable for money, and cannot be transferred between accounts. A participating business may change or end its loyalty program at any time.

7. Games and Leaderboards

The Service may include games such as trivia and Stack It Up. Game scores are capped to prevent manipulation. We reserve the right to reset scores or remove entries that we believe were obtained through unfair means.

8. Wellness and Mindfulness Content

Any mindfulness, breathing, or wellness features in the Service are provided for general informational and relaxation purposes only. They are not medical, psychological, or health advice, and are not a substitute for professional care. You should consult a qualified professional about any health concern and use these features at your own discretion.

9. Content

Shop owners are responsible for the content they upload, including logos, photos, menu items, branding, card designs, and business descriptions. You agree not to upload content that is offensive, misleading, or infringes on the rights of others.

Ownership and rights. You represent and warrant that you own, or are fully licensed and authorized to use, any logos, photos, menus, branding, card designs, and other material you upload, and that your content (and our display of it) does not infringe the intellectual property, privacy, or other rights of any third party.

License to us. You grant us a non-exclusive, worldwide, royalty-free license to host, store, reproduce, and display the content you upload solely for the purpose of operating and providing the loyalty service to you and your customers. This license ends when you delete the content or your account, except for copies retained in routine backups for a reasonable period.

Indemnification. You agree to indemnify and hold us harmless from any claims, damages, losses, or expenses (including reasonable legal fees) arising from content you upload, including any claim that such content infringes the rights of a third party.

Third-party services. Some features surface content from third-party services, such as music platforms and map data. That content is accessed through those providers' official APIs or links and remains the property of their respective owners; it is subject to those providers' own terms.

10. Intellectual Property

The Service, including its design, features, software, and content (other than content you or other users upload), is owned by the Operator and protected by intellectual property laws. You may not copy, modify, distribute, or create derivative works based on the Service without our written permission.

11. Owner Subscriptions and Billing

The mobile app is free for everyone. Business owners may optionally subscribe to a paid plan (for example, Growth or Pro) purchased only through the web portal, with payments processed by Stripe. By subscribing you agree that:

• Subscriptions are billed in advance on a recurring basis and renew automatically at the end of each billing period until cancelled.
• You can cancel at any time from the billing area of the web portal; cancellation takes effect at the end of the current paid period and you retain access until then.
• Except where required by law (including the Australian Consumer Law), fees already paid are non-refundable and we do not provide partial-period refunds.
• We may change plan pricing or features on reasonable notice; changes apply from your next billing period.
• You are responsible for any taxes associated with your subscription unless we are required to collect them.

12. App Stores

If you download the app from the Apple App Store or Google Play, your use is also subject to that store's terms. Where the app is obtained from the Apple App Store, you acknowledge that these Terms are between you and the Operator only, not Apple; that Apple has no obligation to provide support or maintenance for the app; and that Apple and its subsidiaries are third-party beneficiaries entitled to enforce these Terms against you. Similar pass-through terms apply to Google Play. The app stores are not responsible for the app or its content.

13. Termination

We reserve the right to suspend or terminate your account at any time for violations of these Terms or applicable law. You may delete your account at any time through the app settings or the web portal, which will permanently remove your data as described in the Privacy Policy.

14. Disclaimers

To the extent permitted by law, the Service is provided "as is" and "as available" without warranties of any kind, whether express or implied. We do not guarantee that the Service will be uninterrupted, error-free, or secure, or that any reward will be honoured by a participating business. This section is subject to Section 15 (Australian Consumer Law) and any other rights you have that cannot be excluded by law.

15. Australian Consumer Law

Nothing in these Terms excludes, restricts, or modifies any consumer guarantee, right, or remedy you have under the Australian Consumer Law (Schedule 2 to the Competition and Consumer Act 2010 (Cth)) or any other law that cannot lawfully be excluded (non-excludable guarantees). Where our goods or services come with non-excludable guarantees, and where the law allows us to limit our liability for failing to comply with one, our liability is limited (at our option) to re-supplying the services or paying the cost of having them re-supplied.

16. Limitation of Liability

Subject to Section 15, to the fullest extent permitted by law: (a) we are not liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenue, data, goodwill, stamps, or rewards, arising from or related to your use of the Service; and (b) our total aggregate liability arising out of or in connection with the Service is limited to the greater of (i) the total amount you paid us (if any) in the 12 months before the event giving rise to the liability, or (ii) AUD $100.

17. Indemnification

To the extent permitted by law, you agree to indemnify and hold harmless the Operator and its personnel from and against any claims, damages, losses, liabilities, and expenses (including reasonable legal fees) arising out of or related to: your use of the Service; your breach of these Terms or any applicable law; content you upload; or, if you are a shop owner, your loyalty program, marketing, and your handling of your customers' personal data.

18. Force Majeure

We are not liable for any failure or delay in performance caused by events beyond our reasonable control, including acts of God, natural disasters, outages of hosting or third-party providers, network failures, strikes, or government actions.

19. Governing Law and Disputes

These Terms are governed by the laws of New South Wales, Australia. If a dispute arises, you agree to first contact us at yourloyaltywallet@gmail.com so we can try to resolve it informally and in good faith. If we cannot resolve it within a reasonable time, you and the Operator submit to the non-exclusive jurisdiction of the courts of New South Wales and the courts competent to hear appeals from them. Nothing in this section prevents either party from seeking urgent injunctive relief, and nothing limits any rights you have under laws that apply to you in your own country.

20. Changes to These Terms

We may modify these Terms from time to time. If we make material changes we will take reasonable steps to notify you (for example, in the app or by email) and update the "Last updated" date above. Your continued use of the Service after changes take effect constitutes acceptance of the updated Terms.

21. General

• Entire agreement. These Terms, the Privacy Policy, and (for owners) the Data Processing Agreement are the entire agreement between you and the Operator regarding the Service.
• Severability. If any provision is found unenforceable, the rest remains in full force.
• No waiver. Our failure to enforce any provision is not a waiver of our right to do so later.
• Assignment. You may not assign these Terms without our consent. We may assign them, including to a successor entity — for example, when the business is incorporated as a company.
• Notices. We may give you notices in the app, by email, or by posting to the website; you can contact us at the email below.

22. Contact

If you have any questions about these Terms of Use, contact the Operator at yourloyaltywallet@gmail.com.