Loyo Rewards — End User Terms & Conditions

Effective 15 August 2026 · Version pilot-2026-08-15

1. Introduction & Acceptance

These Terms and Conditions ("Terms") govern your participation in loyalty programs offered by participating merchants through the Loyo Rewards platform (the "Platform").

By enrolling in any merchant's loyalty program via the Platform, you agree to be bound by these Terms.

Loyo Rewards is the technology platform provider. Each participating merchant is solely responsible for the operation, administration, and fulfillment of its own loyalty program. These Terms are in addition to any specific terms and conditions set by each merchant for their individual program.

2. Definitions

"Platform": The Loyo Rewards software, staff application, and related systems.
"Merchant": A participating business that offers a loyalty program through the Platform.
"Member" or "You": An end-user customer enrolled in a Merchant's loyalty program.
"Stamp": A virtual marker earned by a Member for qualifying transactions or activities.
"Reward": A benefit offered to a Member upon reaching a specified number of Stamps, such as a gift voucher or free product.
"Program": A specific merchant's stamp-based loyalty program operated through the Platform.

3. Eligibility & Enrollment

Age Requirement: The Program is open to individuals who have reached the age of majority in their country of residence.
One Account: Only one account per individual is permitted per Merchant's Program.
Accurate Information: You must provide accurate information at enrollment, including a valid phone number where you can receive SMS notifications.
No Fee: There is no cost to enroll in or participate in any Program.
Enrollment: By providing your phone number to a Merchant's staff, you consent to receive Program-related communications, including reward notifications via SMS.

4. Earning Stamps

Qualifying Transactions: Stamps are earned on qualifying transactions as defined by each Merchant. This may be per visit—1 stamp per qualifying transaction—or per amount spent—1 stamp per defined spending threshold.
Exclusions: Stamps may not be earned on purchases of gift cards, taxes, shipping, or other excluded items as specified by the Merchant.
Timing: Stamps are issued at the time of purchase only and cannot be added retroactively.
Limits: Merchants may impose limits on the number of stamps that can be earned per transaction or per day.

5. Redeeming Rewards

Threshold: A Reward is earned once you collect the required number of Stamps specified by the Merchant.
Redemption Process: To redeem a Reward, you must present the unique one-time redemption code sent to your registered phone number at the point of sale.
Validity Period: Rewards are valid only for the period specified by the Merchant and may expire after that date.
Non-Transferable: Stamps and Rewards are personal to you, cannot be transferred to another person, and have no cash or monetary value.
No Combination: Rewards may not be combined with other offers, promotions, or discounts unless explicitly stated by the Merchant.
Availability: All Rewards are subject to product or service availability.

6. Membership Rules & Termination

Personal Use Only: The Program is intended for personal, non-commercial use only.
Program Misuse: Fraudulent activities—such as exploiting technical errors, submitting false claims, or engaging in any form of abuse—are prohibited. Members engaging in such behaviour may have their accounts suspended or terminated, with all Stamps and Rewards forfeited.
Termination by You: You may terminate your participation in any Program at any time. Upon termination, any unused Stamps or Rewards will be forfeited.
Inactive Accounts: Accounts inactive for a period of 6 months may be closed, with any remaining Stamps or Rewards forfeited. Reactivation of such accounts will be at a fee determined by Program Administrators.

7. Program Changes & Termination

Right to Modify: Each Merchant reserves the right to modify or terminate its Program, including stamp accrual rates, redemption values, and eligibility criteria, at any time.
Notice: Significant changes will be communicated via SMS, in-store notice, or other reasonable means.
No Liability: Merchants are not liable for any loss or inconvenience resulting from Program changes or termination.

8. Privacy & Data Protection

Information Collected: When you enroll and use the Program, we collect your phone number and transaction history.
Use of Information: Your information is used to operate the Program, send you reward notifications, and communicate Program-related updates.
Data Sharing: Your information may be shared with the specific Merchant whose Program you are participating in, but is not shared with other Merchants without your consent.
Opt-Out: You may opt out of receiving marketing communications at any time by contacting the Merchant.

9. Liability & Disclaimer

"As-Is" Provision: The Platform and Programs are provided on an "as-is" basis. Loyo Rewards and Merchants do not warrant that the Platform will be error-free, secure, or available at all times.
Limitation of Liability: To the fullest extent permitted by law, neither Loyo Rewards nor any Merchant shall be liable for any indirect, incidental, or consequential damages arising from your participation in any Program.
Merchant Responsibility: Loyo Rewards is not responsible for the products, services, or rewards offered by any Merchant, nor for any disputes between you and a Merchant.

10. Governing Law & Disputes

Governing Law: These Terms shall be governed by and construed in accordance with the laws of Kenya.
Disputes: Any dispute arising under these Terms shall be subject to the exclusive jurisdiction of the courts of Kenya. In case of any dispute regarding a specific Program, the Merchant's decision is final.

11. Contact

For any questions or disputes regarding a specific Merchant's Program, please contact the Merchant directly at the store or via their provided contact details.

For questions regarding the Loyo Rewards Platform, please contact us at:

Email: gilbert@loyorewards.com
Phone: +254723079113