Terms and Conditions

Effective Date: March 12, 2026 · Last Updated: March 12, 2026 · Operator: Loyvora, Inc. (Delaware, USA)

PLEASE READ THESE TERMS CAREFULLY. BY ACCESSING OR USING THE SERVICE, YOU AGREE TO BE BOUND BY THESE TERMS, OUR PRIVACY POLICY, COOKIES POLICY, REFUND POLICY, AML/KYC POLICY, AND ANY SUPPLEMENTAL TERMS INCORPORATED BY REFERENCE.

1. Definitions

“Service” means Loyvora websites, apps, APIs, dashboards, communication channels, and reward tools. “User” means any person or entity using the Service. “Points” means non-cash loyalty units issued by Loyvora under this Agreement. “Eligible Transaction” means a completed and settled purchase that meets all reward criteria.

2. Scope and Nature of Service

Loyvora provides software-enabled access to subscription purchasing workflows and rewards management. We are not a bank, money transmitter, card network, or issuer. We do not guarantee continuous availability of third-party merchants or third-party subscription products.

We may add, modify, or remove products, merchants, reward multipliers, redemption catalogs, and operational limits for business, legal, anti-fraud, or technical reasons.

3. Eligibility; Account Registration

You must be at least 18 years old and legally able to enter contracts.
You must provide truthful registration and billing information.
You are responsible for account security and all actions taken through your account.
Shared, rented, or synthetic accounts are prohibited.
We may require identity verification at onboarding or any time during account use.

4. Purchases; Billing; Renewals

You authorize us and our processors to charge selected payment methods for purchases, recurring renewals, taxes, and applicable fees. Failed or reversed charges may pause access. Merchant-specific cancellation windows, usage terms, and license restrictions may apply and are shown where available.

5. Rewards Program; Conversion; Lifecycle

5.1 Point Value

Unless a campaign states otherwise, standard conversion is 100 Points = USD $1.00 platform value (1 Point = USD $0.01). Points are promotional units, not deposits, not securities, not legal tender, and not property rights.

5.2 Accrual Rates

Base Cashback: 3% to 5% on eligible net transaction value.
Boosted Cashback: 8% to 15% for campaign merchants, seasonal categories, referral windows, or tier multipliers.
Ineligible items include taxes, chargebacks, refunds, test authorizations, canceled transactions, and flagged abuse events.

5.3 Pending/Hold

All newly accrued Points may remain pending for 7–14 days for anti-fraud, settlement, and return risk controls.

5.4 Expiration

Points expire 12 months after the posting date unless campaign terms specify a shorter or longer validity period.

5.5 Reversal and Negative Balances

We may reverse Points for refund, chargeback, duplicate settlement, abuse detection, or merchant clawback. If reversals exceed available Points, your account may carry a negative balance recoverable from future accruals.

6. Redemption

Points may be redeemed only through approved in-platform redemption options, subject to availability and anti-abuse checks. Redemption values can vary by campaign. Redemption inventory may be changed, paused, or discontinued without retroactive obligation.

7. Promotions, Referral Programs, and Tiers

Referral bonuses, tier multipliers (e.g., Silver/Gold/Platinum), and campaign boosts are discretionary and may be suspended or changed. Self-referral, referral rings, and synthetic activity may result in forfeiture.

8. Prohibited Conduct

Fraud, identity misuse, payment instrument abuse, triangulation, arbitrage abuse, or “reward farming”.
Bypassing controls using multiple accounts, scripts, bots, or deceptive traffic.
Violating applicable law, sanctions rules, export controls, or third-party rights.
Security testing, reverse engineering, scraping, or unauthorized API activity.

9. Risk Controls; Verification; Compliance

We maintain transaction monitoring, velocity limits, geolocation signals, and behavioral analytics. We may request additional documents (government ID, proof of address, beneficial ownership, source-of-funds context) where risk, legal duty, or processor policy requires.

10. Suspension, Restriction, and Termination

We may suspend, restrict, or terminate access immediately for policy breaches, fraud risk, legal requests, processor directives, or platform security incidents. Pending rewards may be held or canceled while review is in progress.

11. Third-Party Services

The Service may include or rely on third-party content, payment processors, analytics, and merchant APIs. We are not responsible for third-party outages, policy changes, or service quality.

12. Intellectual Property

All software, branding, UI, content, data models, and reward mechanics are owned by Loyvora, Inc. or licensors. You are granted a limited, non-exclusive, revocable, non-transferable right to use the Service in accordance with these Terms.

13. Feedback License

Any feedback you provide may be used by Loyvora without restriction or compensation.

14. Communications; Electronic Consent

You consent to receive notices electronically, including legal notices, policy changes, and account alerts.

15. Taxes

You are responsible for taxes related to your purchases and, where applicable, tax reporting obligations related to rewards or promotional benefits under local, state, and federal law.

16. Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL IMPLIED WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

17. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SUBZERO CLUB, INC. AND ITS AFFILIATES SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL.

OUR AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID TO SUBZERO CLUB IN THE PRECEDING 12 MONTHS OR (B) USD $100.

18. Indemnification

You agree to indemnify and hold harmless Loyvora from claims, damages, penalties, and expenses arising from your misuse, legal violations, or breach of these Terms.

19. Governing Law; Dispute Resolution; Class Waiver

These Terms are governed by Delaware law, without conflict-of-law rules. Any dispute will be resolved by binding arbitration under AAA Commercial Arbitration Rules, seated in Delaware, unless mandatory law requires otherwise. To the extent permitted by law, class actions and representative actions are waived.

20. Injunctive Relief

Either party may seek injunctive relief in competent courts for intellectual property or confidentiality violations.

21. Force Majeure

We are not liable for delays or failures caused by events beyond reasonable control, including outages, cyber incidents, legal restrictions, processor failures, and natural disasters.

22. Assignment

You may not assign these Terms without our written consent. We may assign these Terms in connection with merger, acquisition, reorganization, or asset sale.

23. Entire Agreement; Severability; Waiver

These Terms and incorporated policies form the entire agreement. If any provision is unenforceable, the remaining provisions remain in effect. Failure to enforce any provision is not a waiver.

24. Changes to Terms

We may revise Terms at any time. Material changes become effective as posted, with notice where legally required. Continued use after effective date constitutes acceptance.

25. Contact

Legal: sales@loyvora.pro · Compliance: sales@loyvora.pro · Address: Loyvora, Inc., Wilmington, Delaware, USA.