Privacy Policy

This Privacy Policy describes how Loyvora, Inc. (“Loyvora,” “we,” “our”) collects, uses, discloses, stores, and protects personal information in connection with our website, dashboard, rewards services, and related communications.

1. Information We Collect

1.1 Information You Provide

• Identity and profile data: full name, email, phone, username, credentials.
• Billing and order data: purchase details, invoices, receipts, support notes.
• Communications: support tickets, emails, survey responses, chat transcripts.

1.2 Information Collected Automatically

• Device/browser characteristics, OS, language, and app version.
• IP address, coarse geolocation, session timestamps, referral URLs.
• Security logs, failed login attempts, fraud event flags.
• Analytics events (page views, click paths, feature usage, conversion funnels).

1.3 Transaction and Rewards Data

• Merchant descriptor metadata, transaction amount, settlement status.
• Eligibility decisions, pending holds, points accrual/reversal/redemption history.
• Risk scoring and anti-fraud review outcomes.

2. Sources of Data

We collect data directly from you, through your use of the Service, from payment processors, anti-fraud vendors, analytics providers, and business partners that support subscription fulfillment and reward validation.

3. Legal Bases for Processing

Where applicable, we process data based on contract necessity, legitimate interests (e.g., fraud prevention, service improvement), legal obligations, and consent (for certain marketing or cookies where required).

4. How We Use Personal Information

• Provide account access, order processing, and redemption functionality.
• Calculate, post, hold, expire, and reverse reward points as required by program rules.
• Operate fraud prevention, security monitoring, and policy enforcement controls.
• Send administrative notices, product updates, and legal disclosures.
• Deliver customer support, diagnostics, quality assurance, and dispute handling.
• Perform analytics, forecasting, and internal reporting.
• Comply with legal obligations, court orders, and regulatory requirements.

5. Sharing and Disclosure

• Service Providers: cloud hosting, security, customer support, communications, analytics.
• Payment and Fraud Vendors: processors, card risk providers, dispute management tools.
• Partners/Merchants: minimum required data for order fulfillment and rewards eligibility.
• Legal Disclosures: regulators, law enforcement, courts, or parties in legal proceedings.
• Corporate Transactions: merger, acquisition, financing, reorganization, or asset sale.

We do not sell your sensitive personal data for money. Where applicable U.S. state law defines certain disclosures as “sale” or “sharing,” we provide legally required controls.

6. Cookies and Similar Technologies

We use cookies, local storage, pixels, and SDK-like event instrumentation for authentication, fraud controls, user preferences, and analytics. See our Cookies Policy for details.

7. Data Retention

• Account profile data: while account remains active and for a reasonable period thereafter.
• Transactional and rewards records: typically up to 7 years for audit, tax, anti-fraud, and dispute resolution purposes.
• Security logs: generally 12–36 months, longer when required for investigations.
• Support records: retained as needed for continuity and legal compliance.

8. Security Practices

We maintain organizational, technical, and physical safeguards, including role-based access controls, encryption in transit, secure credential practices, and security monitoring. No system is completely secure and we cannot guarantee absolute security.

9. U.S. State Privacy Rights

Depending on your U.S. state of residence, you may have rights to access, correct, delete, and obtain a portable copy of certain personal information, and to opt out of certain profiling/targeted advertising or data-sharing activities as defined by law.

To exercise rights: sales@loyvora.pro. We may verify identity and may deny requests where lawful exemptions apply.

10. Children’s Privacy

The Service is not directed to children under 13. We do not knowingly collect personal information from children under 13.

11. International Data Transfers

Data may be processed in the United States and other jurisdictions where our providers operate, subject to legally appropriate safeguards.

12. Automated Decisioning

We may use automated systems for fraud risk scoring and reward eligibility checks. Significant account actions may involve manual review.

13. Marketing Communications

You may opt out of marketing messages through account settings or unsubscribe links. Service-critical communications may still be sent.

14. Do Not Track and Global Privacy Control

Where legally required, we honor recognized opt-out preference signals consistent with applicable law and technical feasibility.

15. Policy Updates

We may revise this Privacy Policy periodically. Material changes are posted with a revised effective date and, where required, additional notice.

16. Contact

Privacy Team: sales@loyvora.pro · Loyvora, Inc., Wilmington, Delaware, USA.