Terms & Conditions

1. Acceptance of Terms

By accessing and using the Gloy Club website, applications and services, you accept and agree to be bound by the terms and provisions of this agreement. If you do not agree to abide by the above, please do not use this service.

These terms apply to all visitors, users, businesses and others who access or use the service.

2. Use License

Permission is granted to temporarily download one copy of the materials (information or software) on Gloy Club's website for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

• Modify or copy the materials
• Use the materials for any commercial purpose or for any public display
• Attempt to reverse engineer any software contained on the website
• Remove any copyright or other proprietary notations from the materials
• Transfer the materials to another person or "mirror" the materials on any other server

3. Service Description

Gloy Technologies Limited provides comprehensive business technology solutions and operates the Gloy Club, a loyalty and voucher management platform. Our services include but are not limited to:

3.1 Gloy Club Services

• Loyalty Program Management: Points earning, tracking, and redemption systems
• Digital Voucher System: Creation, storage, and redemption of digital vouchers
• Merchant Network: Access to partner merchants and redemption locations
• Location Services: GPS-based merchant discovery and navigation
• User Account Management: Profile creation, preferences, and account settings
• Transaction Processing: Secure payment and redemption processing

3.2 Business Technology Solutions

• Software Development: Custom application development and consulting services
• Digital Transformation: Business process digitization and modernization
• Technical Support: Ongoing maintenance, updates, and technical assistance
• Training and Education: User training, documentation, and educational resources
• Integration Services: Third-party system integration and API development
• Cloud Solutions: Cloud infrastructure and platform services

3.3 Platform Features

• Mobile Applications: iOS and Android apps for customer engagement
• Web Platform: Browser-based access to services and account management
• Analytics Dashboard: Business intelligence and reporting tools
• API Access: Developer tools and integration capabilities
• Multi-language Support: Internationalization and localization features

4. User Responsibilities and Conduct

As a user of our services, you agree to comply with these responsibilities and conduct guidelines. Failure to adhere to these terms may result in account suspension or termination.

4.1 Account Management

• Accurate Information: Provide truthful, accurate, and complete information during registration and updates
• Account Security: Maintain the confidentiality of your login credentials and notify us of any unauthorized access
• Single Account: Maintain only one account per person; multiple accounts may result in termination
• Age Requirements: Be at least 13 years old (or the minimum age in your jurisdiction) to use our services
• Account Updates: Keep your contact information and preferences current

4.2 Acceptable Use

• Lawful Use: Use our services only for lawful purposes and in compliance with all applicable laws
• Respectful Behavior: Treat other users, merchants, and our staff with respect and courtesy
• No Harassment: Do not engage in harassment, bullying, or threatening behavior
• No Spam: Do not send unsolicited communications or engage in spam activities
• No Fraud: Do not attempt to defraud, manipulate, or abuse our systems or other users

4.3 Prohibited Activities

• System Interference: Do not attempt to hack, disrupt, or interfere with our systems
• Reverse Engineering: Do not attempt to reverse engineer, decompile, or disassemble our software
• Data Mining: Do not use automated tools to extract data from our services
• Unauthorized Access: Do not attempt to access accounts or systems you are not authorized to use
• Malicious Software: Do not upload or distribute viruses, malware, or other harmful code

4.4 Voucher and Loyalty Program Rules

• Valid Redemption: Use vouchers only at authorized merchant locations
• Expiration Dates: Respect voucher expiration dates and terms
• No Transfer: Do not transfer, sell, or trade vouchers or loyalty points
• Single Use: Each voucher can only be redeemed once
• Merchant Compliance: Follow merchant policies and procedures during redemption

4.5 Content and Intellectual Property

• Respect IP Rights: Do not infringe on intellectual property rights of others
• No Unauthorized Content: Do not upload content you do not have rights to use
• Appropriate Content: Ensure any content you share is appropriate and legal
• No Impersonation: Do not impersonate others or create false identities

5. Payment Terms and Billing

These payment terms apply to all services provided by Gloy Club, including business technology solutions and premium features of the Gloy Club.

5.1 Billing and Invoicing

• Billing Cycles: Monthly, quarterly, or annual billing as specified in your agreement
• Invoice Delivery: Invoices are sent electronically to your registered email address
• Payment Due Dates: All fees are due within 30 days of invoice date unless otherwise specified
• Late Fees: Late payments may incur additional fees as specified in your agreement
• Disputed Charges: Contact us immediately if you dispute any charges on your invoice

5.2 Pricing and Changes

• Price Changes: We may change prices with 30 days advance notice
• Grandfathering: Existing customers may be grandfathered at current rates for a limited time
• Taxes: Applicable taxes will be added to all charges unless otherwise specified
• Currency Fluctuations: International customers may be subject to currency exchange rate changes

5.3 Refunds and Cancellations

• Refund Policy: Refunds are provided according to our published refund policy
• Service Cancellation: You may cancel services with 30 days written notice
• Pro-rated Refunds: Refunds may be pro-rated based on unused service time
• Processing Time: Refunds are processed within 5-10 business days
• Non-refundable Items: Some services or fees may be non-refundable as specified

5.4 Voucher and Loyalty Program Payments

• Voucher Creation: Vouchers are created using loyalty points, not direct payment
• Point Expiration: Loyalty points may expire according to program terms
• No Cash Value: Vouchers and points have no cash value and cannot be exchanged for money

6. Intellectual Property Rights

This section outlines the intellectual property rights associated with our services, including ownership, licensing, and usage restrictions.

6.1 Our Intellectual Property

• Service Ownership: All rights, title, and interest in our services remain with Gloy Technologies Limited
• Software and Code: Our software, algorithms, and source code are proprietary
• Trademarks: "Gloy Club", "Gloy Business", "Gloy App" and related marks are our trademarks
• Copyrights: All content, designs, and materials are protected by copyright
• Trade Secrets: Our proprietary methods and processes are confidential

6.2 User-Generated Content

• Your Content: You retain ownership of content you create and share
• License to Us: You grant us a license to use your content to provide services
• Public Content: Content shared publicly may be visible to other users
• Content Removal: You may request removal of your content at any time
• Responsibility: You are responsible for ensuring you have rights to share content

6.3 Third-Party Intellectual Property

• Respect for Rights: We respect the intellectual property rights of others
• Infringement Claims: Report intellectual property infringement to us immediately
• Third-Party Licenses: Some features may use third-party licensed components

6.4 Permitted Use

• Personal Use: Use our services for personal, non-commercial purposes
• Business Use: Use our business services according to your service agreement
• No Reverse Engineering: Do not attempt to reverse engineer our software
• No Unauthorized Distribution: Do not distribute our software or content

6.5 Trademark Usage

• No Unauthorized Use: Do not use our trademarks without written permission
• Attribution: When permitted, use proper attribution and trademark symbols
• No Confusion: Do not use our marks in ways that may cause confusion
• Partnership Use: Partner use of our marks requires written agreement

7. Limitation of Liability and Disclaimers

This section outlines the limitations of our liability and important disclaimers regarding our services.

7.1 Limitation of Liability

• No Consequential Damages: We are not liable for indirect, incidental, special, or consequential damages
• Loss Limitations: We are not liable for loss of profits, data, use, goodwill, or other intangible losses
• Maximum Liability: Our total liability is limited to the amount you paid for services in the 6 months preceding the claim
• Force Majeure: We are not liable for delays or failures due to circumstances beyond our control
• Third-Party Actions: We are not liable for actions of third parties, including merchants and partners

7.2 Service Disclaimers

• As-Is Service: Services are provided "as is" without warranties of any kind
• No Guarantees: We do not guarantee uninterrupted or error-free service
• Merchant Relationships: We are not responsible for merchant actions or policies
• Voucher Validity: Voucher redemption is subject to merchant availability and policies
• Technical Issues: We are not liable for technical issues beyond our reasonable control

7.3 User Responsibilities

• Account Security: You are responsible for maintaining account security
• Data Backup: You are responsible for backing up your important data
• Compliance: You are responsible for complying with applicable laws and regulations
• Merchant Interactions: You are responsible for your interactions with merchants

7.4 Exceptions to Limitations

These limitations do not apply where prohibited by law, including:

• Consumer protection laws in your jurisdiction
• Liability for death or personal injury caused by negligence
• Fraud or willful misconduct
• Statutory rights that cannot be excluded

8. Account Termination and Suspension

This section outlines the circumstances under which accounts may be terminated or suspended, and the consequences of such actions.

8.1 Termination by Gloy Club

• Breach of Terms: Violation of these terms and conditions
• Fraudulent Activity: Suspected fraud, abuse, or illegal activity
• Non-Payment: Failure to pay required fees or charges
• Inappropriate Behavior: Harassment, abuse, or threatening behavior
• System Abuse: Attempts to hack, disrupt, or damage our systems
• Legal Requirements: Termination required by law or court order

8.2 Termination Process

• Immediate Termination: We may terminate accounts immediately for serious violations
• Notice Period: For other violations, we may provide 30 days notice
• Appeal Process: You may appeal termination decisions within 30 days
• Data Access: You may request a copy of your data before termination
• Final Billing: Any outstanding charges will be billed before termination

8.3 User-Initiated Termination

• Account Deletion: You may request account deletion at any time
• Data Removal: We will delete your personal data within 30 days
• Voucher Impact: Active vouchers may be forfeited upon account deletion
• Loyalty Points: Unused loyalty points may be forfeited
• No Refunds: Account deletion does not entitle you to refunds

8.4 Consequences of Termination

• Service Access: Immediate loss of access to all services
• Data Loss: Loss of all stored data, preferences, and history
• Voucher Forfeiture: Loss of all active vouchers and loyalty points
• No Reinstatement: Terminated accounts cannot be reinstated
• Legal Rights: Termination does not affect your legal rights or our obligations

8.5 Survival of Terms

The following sections survive termination of your account:

• Intellectual Property Rights
• Limitation of Liability
• Indemnification
• Governing Law
• Dispute Resolution

9. Governing Law

These Terms shall be interpreted and governed by the laws of the jurisdiction in which Gloy Technologies Limited operates, without regard to its conflict of law provisions.

10. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days notice prior to any new terms taking effect.

11. Contact Us

If you have any questions about these Terms & Conditions, please contact us: