Terms & Conditions

These Terms & Conditions ("Terms") govern your use of the LocalLoyalty mobile application and website (together, the "Service"), operated by SkyL4rk PTY LTD ("we", "us", "our"). By creating an account, joining a merchant's loyalty card, or otherwise using the Service, you agree to these Terms. If you do not agree, please do not use the Service.

1. What LocalLoyalty Is

LocalLoyalty is a free digital loyalty card platform. It allows users ("Users", "you") to collect digital stamps from participating local businesses ("Merchants") and redeem rewards once a card is complete. Merchants may list their loyalty programme on the Service free of charge.

2. Eligibility & Accounts

• You must provide accurate information when registering and keep your login details secure.
• You are responsible for all activity that occurs on your account.
• We may suspend or terminate accounts that we reasonably believe are used fraudulently, abusively, or in breach of these Terms.

3. Stamps, Cards & Rewards

• Stamps are issued by Merchants at their discretion, typically against a qualifying purchase, scanned via QR code or NFC.
• Rewards, stamp thresholds, and what qualifies for a stamp are set entirely by each Merchant — LocalLoyalty does not guarantee the value, availability, or terms of any specific reward.
• We reserve the right to detect and reverse stamps that were issued fraudulently, in error, or through abuse of the Service (including but not limited to repeated rapid scanning).
• Stamps and rewards have no cash value and cannot be exchanged, sold, or transferred between accounts unless explicitly stated by the Merchant.

4. Merchant Listings

• Merchants applying to list a loyalty card on LocalLoyalty must provide accurate business information and are subject to our approval before activation.
• We may suspend or remove a Merchant listing at our discretion, including for inactivity, complaints, or breach of these Terms.
• Merchants are solely responsible for fulfilling rewards promised to Users through their loyalty card.

5. Credit Balances & Gift Cards

Certain Merchants on the Service offer credit balance programmes or gift cards ("Stored Value Products"). The following terms apply to all Stored Value Products:

• Issuance: Stored Value Products are issued by the Merchant, not by SkyL4rk PTY LTD. SkyL4rk PTY LTD provides the technology platform through which Merchants make these products available.
• Float: Funds loaded onto a Stored Value Product are held by the Merchant via their own registered payment processor account. SkyL4rk PTY LTD does not hold, custody, or manage user funds at any time.
• Redemption: Loaded balances may only be redeemed against qualifying purchases at the issuing Merchant. Balances are non-transferable to cash or bank accounts.
• Gifting: Where a Merchant enables gift card transfers, the entire card (including its loaded balance) may be transferred to another registered LocalLoyalty user. An accept/decline confirmation is required from the recipient before any transfer is finalised. Declined transfers return the card to the original holder.
• Load limits: Maximum amounts that may be loaded onto a Stored Value Product in a single transaction or within a given period are set by the Merchant and the Service, in line with applicable South African payment and AML requirements. These limits will be communicated at the point of top-up.
• Programme termination: If a Merchant discontinues their programme, unused balances must be honoured by the Merchant directly. SkyL4rk PTY LTD will endeavour to provide reasonable advance notice to affected users but accepts no liability for a Merchant's failure to fulfil outstanding balances.

5A. Payments & Service Fee

Payments for Stored Value Products are processed by PayFast (a registered third-party payment gateway). By initiating a payment, you agree to PayFast's terms and conditions, available at payfast.co.za/legal. SkyL4rk PTY LTD does not store, process, or have access to your card or banking details at any time — all payment data is handled exclusively by PayFast.

A platform service fee may be retained from each payment transaction to support the operation of this Service. This fee is incorporated into the transaction and does not affect the balance credited to your Stored Value Product.

5B. Refund Policy

All payments made to load a Stored Value Product (credit balance or gift card) are final and non-refundable once the transaction is confirmed by our payment processor, except where required by applicable South African consumer protection law. If you believe a transaction was processed in error, please contact us at hello@localloyalty.co.za within 7 days of the transaction date and we will investigate. Refunds, where applicable, will be processed via the original payment method within 10 business days.

5C. Cancellation Policy

You may stop using the Service and any associated Stored Value Product at any time. If your account is closed or deactivated, any unused Stored Value balance associated with your account remains the liability of the issuing Merchant. Please contact the relevant Merchant directly to arrange redemption of any outstanding balance. If you are unable to reach the Merchant, contact us at hello@localloyalty.co.za and we will assist where reasonably possible. Unused balances not claimed within 36 months of account closure may be forfeited in accordance with applicable law.

5D. Delivery Policy

Stored Value Products are digital goods. Upon confirmed payment, the purchased balance is credited to your in-app wallet immediately and available for use without delay. No physical delivery is involved. In the event of a technical failure preventing delivery of a confirmed payment, please contact us and we will resolve the discrepancy within 2 business days.

6. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose or in a way that infringes the rights of others;
• Attempt to manipulate, duplicate, or falsify stamps, QR codes, or NFC payloads;
• Reverse engineer, scrape, or interfere with the operation or security of the Service;
• Create multiple accounts to claim rewards beyond what a Merchant intends per person;
• Use Stored Value Products for any purpose that constitutes money laundering, fraud, or any other activity prohibited under South African law, including the Financial Intelligence Centre Act (FICA) and the Prevention of Organised Crime Act (POCA).

7. Advertising

LocalLoyalty is funded in part through advertising shown within the app. By using the Service, you agree to the display of such advertising. We do not control the content of third-party advertisements beyond our standard advertising policies.

8. Intellectual Property

The Service, including its design, branding, and underlying software, is owned by SkyL4rk PTY LTD and protected by applicable intellectual property laws. Merchant logos and branding remain the property of the respective Merchant.

9. Disclaimers

The Service is provided "as is" without warranties of any kind, express or implied. We do not guarantee uninterrupted or error-free operation, and we are not responsible for the conduct of Merchants, the quality of goods or services they provide, or their fulfilment of rewards or Stored Value balances.

10. Limitation of Liability

To the maximum extent permitted by law, SkyL4rk PTY LTD shall not be liable for any indirect, incidental, or consequential damages arising from your use of the Service, including loss of stamps, rewards, Stored Value balances, or data. SkyL4rk PTY LTD's total liability in respect of any Stored Value Product shall not exceed the amount paid by you for that product in the 12 months preceding the claim.

11. Changes to These Terms

We may update these Terms from time to time. Continued use of the Service after changes take effect constitutes acceptance of the revised Terms. Material changes will be communicated within the app where reasonably practicable.

12. Termination

You may stop using the Service at any time. We may suspend or terminate your access if you breach these Terms or if we discontinue the Service. Suspension does not extinguish any Stored Value balance held by the issuing Merchant.

13. Governing Law

These Terms are governed by the laws of the Republic of South Africa, without regard to conflict-of-law principles. Any disputes shall be subject to the jurisdiction of the South African courts.

14. Contact

Questions about these Terms? Reach us at hello@localloyalty.co.za or via our Contact page.