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1. Introduction

Welcome to loyalbe.io (the "Site"), operated by Loyalbe Ltd ("LoyalBe", "we", "us", or "our"). We are a company registered in Northern Ireland (Company No. NI650618) with our registered office at 18 Ormeau Avenue, Belfast, United Kingdom, BT2 8HS.

These Terms of Use ("Terms") govern your access to and use of our Site and our Partner/Brand Dashboard (the "Dashboard"). By accessing or using the Site or Dashboard, you agree to comply with and be bound by these Terms. If you do not agree to these Terms, you must not use our Site.

2. Business-to-Business Service

2.1 B2B Only

Our services are intended solely for business use by Brands, Merchants, Banks, Card Schemes, and Fintech partners. We do not offer services directly to individual consumers. By using this Site, you represent that you are accessing it on behalf of a business entity and that you have the authority to bind that entity to these Terms.

2.2 Access to Dashboard

Access to the LoyalBe Dashboard is restricted to authorised users who have registered an account with us. You are responsible for maintaining the confidentiality of your login credentials. You must notify us immediately at help@loyalbe.io if you suspect any unauthorised access to your account.

2.3 Priority of Agreements

If you have entered into a separate commercial agreement with us (such as a Master Services Agreement, Partnership Agreement, or Insertion Order) regarding the provision of Card Linked Offers, the terms of that separate agreement shall prevail over these Terms in the event of any conflict.

3. Intellectual Property Rights

3.1 Our IP

We are the owner or the licensee of all intellectual property rights in our Site, Dashboard, and the material published on them (including our API documentation, reporting layouts, software, and "LoyalBe" trademarks). These works are protected by copyright laws and treaties around the world. All such rights are reserved.

3.2 Your License

We grant you a limited, non-exclusive, non-transferable, and revocable license to access and use the Dashboard solely for your internal business purposes (e.g., viewing campaign performance, downloading reports) in accordance with these Terms.

3.3 Restrictions

You must not:

• Reverse engineer, decompile, or disassemble any part of our API or Dashboard.
• Use any automated system (robots, spiders, scrapers) to access the Site or Dashboard without our prior written approval.
• Build a competitive product or service using similar ideas, features, or functions of our Site or Dashboard.
• Use our trademarks or logos without our prior written consent, except as permitted in a separate Partnership Agreement.

4. Data and Reporting

4.1 Dashboard Data

The reports, analytics, and transaction data provided via the Dashboard are for your business use only. While we aim for accuracy, transaction reporting relies on data feeds from third-parties. Therefore, we cannot guarantee that reporting is real-time or 100% error-free at all times.

4.2 Confidentiality

You acknowledge that the Dashboard contains commercially sensitive information. You agree to keep all non-public data obtained through the Dashboard confidential and not to disclose it to third parties (other than your professional advisors) without our consent.

5. Prohibited Uses

You may use our Site only for lawful purposes. You may not use our Site:

• In any way that breaches any applicable local, national, or international law or regulation.
• To knowingly transmit any data, send or upload any material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, or any other harmful programs.
• To attempt to gain unauthorised access to our Site, the server on which our Site is stored, or any server, computer, or database connected to our Site.

6. Limitation of Liability

Please read this section carefully.

6.1 Exclusion of Liability

To the extent permitted by law, we exclude all conditions, warranties, representations, or other terms which may apply to our Site or any content on it, whether express or implied.

6.2 Financial Loss

LoyalBe will not be liable to any user for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:

• Use of, or inability to use, our Site or Dashboard.
• Use of or reliance on any content displayed on our Site.
• Loss of profits, sales, business, or revenue.
• Business interruption.
• Loss of anticipated savings.
• Loss of business opportunity, goodwill, or reputation.

6.3 Maximum Liability

Nothing in these 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 by Northern Irish law.

7. Viruses and Security

We do not guarantee that our Site will be secure or free from bugs or viruses. You are responsible for configuring your information technology, computer programmes, and platform to access our Site. You should use your own virus protection software.

8. Linking to Our Site

You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it. You must not establish a link in such a way as to suggest any form of association, approval, or endorsement on our part where none exists.

9. Changes to These Terms

We may revise these Terms at any time by amending this page. Please check this page from time to time to take notice of any changes we made, as they are binding on you.

10. Governing Law

These Terms, their subject matter, and their formation (and any non-contractual disputes or claims) are governed by the laws of Northern Ireland. We both agree to the exclusive jurisdiction of the courts of Northern Ireland.

11. Contact Us

To contact us, please email help@loyalbe.io or write to us at Loyalbe Ltd, 18 Ormeau Avenue, Belfast, BT2 8HS.

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