Proposed Merchant Terms

1. Status and contract variables

These are a proposed, non-binding Merchant Terms framework for businesses considering Loyvero, the QR loyalty and reward platform. Loyvero is operated by Rick Anker, a sole trader established in Malta, trading under the name Loyvero. Registered address: 24, Triq ix-Xambekk, Baħar iċ-Ċagħaq, NXR 5072, Malta. VAT number: MT29351227. They describe confirmed platform behaviour and are not a commercial offer, contract or formal legal approval. This text remains subject to professional Maltese legal review and does not invite acceptance or execution.

The public offer is a 30 days free trial. It never converts automatically: before paid service starts, the merchant must explicitly opt in to €79 per month excluding VAT (EUR 7900 cents net). Applicable VAT is added. After explicit opt-in, billing is monthly in advance by bank transfer with automatic monthly renewal and one-calendar-month cancellation notice. The liability wording, governing law and competent-courts position remain provisional and subject to professional Maltese legal review; this page does not invite acceptance.

2. Formation and authority

A merchant may ask questions or request a discussion through the public enquiry flow. This framework does not itself form a contract, constitute an offer, or provide an acceptance mechanism. Any future agreement would require a separately prepared document and an authorised process agreed after the unresolved variables and legal review are complete.

3. Service description

Loyvero provides tools for merchant-configured QR campaigns, customer sign-in, reward selection, saved rewards, stock-aware reward choices, validation, dashboard administration and optional Apple or Google Wallet passes. Customers do not need to download an app. Loyvero does not replace a merchant’s till, ordering system, delivery platform or staff procedures.

The public proposition is unlimited campaigns, unlimited customers and unlimited QR rewards for one fixed monthly fee; Loyvero takes 0% of sales, no commission and no per-reward fee. “Unlimited” means there is no ordinary commercial subscription quota for those items. It does not prevent proportionate measures for fraud, abuse, illegal use, security incidents, deliberate overload, extraordinary automated traffic, technical batching, third-party provider restrictions, campaign stock or merchant-configured claim limits.

4. Pilot, pricing, billing and taxes

The public offer is a thirty-day free trial and never converts automatically. Before paid service starts, the merchant must explicitly opt in to €79 per month excluding VAT (EUR 7900 cents net). Applicable VAT is added. After explicit opt-in, the subscription renews monthly; it may be cancelled with the one-calendar-month notice period. Cancel at any time. No long-term contract. One calendar month’s notice applies. The trial starts only when Rick activates a real account; entering a demo or submitting an application does not start it.

The service is presented as one fixed monthly fee with no Loyvero commission or per-reward fee. Subscription fees are invoiced monthly in advance by bank transfer and renew automatically. Payment must be received by Loyvero no later than the calendar day before the relevant subscription period begins. Each invoice will state the applicable service period and exact payment due date. Any future price change requires appropriate notice and professional review.

Under this proposed framework, a merchant may request cancellation through the authenticated owner dashboard or by written email to hello@loyvero.com. If the merchant cancels during the 30-day free trial, cancellation is immediate when Loyvero receives the request; paid billing will not start after that cancellation and no monthly invoice is created. For a paid subscription, a two-day grace period begins when Loyvero receives the request; the merchant may undo it through the owner dashboard during that period. If it is not undone, a paid notice period of exactly one calendar month begins when the grace period ends. The service remains active and the monthly fee remains payable through that notice period. For a dashboard request, receipt occurs when the server accepts it; for email, receipt occurs when the message enters Loyvero’s designated mailbox. Loyvero will confirm the applicable effect and exact termination date by email. No new subscription period starts on or after termination. Fees already paid are non-refundable except where mandatory law requires otherwise.

5. Merchant responsibilities

The merchant is responsible for lawful campaigns, reward descriptions, eligibility, stock, expiry and claim limits; accurate controller and privacy contact information; its customer-facing privacy notice and lawful bases; customer rights; staff access; and the accuracy and legality of content it uploads or sends.

The merchant must not use the platform for unlawful, deceptive, abusive, discriminatory, infringing, unsolicited or unsafe content, and must not bypass redemption controls, probe accounts, upload malicious code or interfere with availability. The merchant must keep credentials and devices secure and promptly report suspected compromise.

6. Fair use and proportionate safeguards

Loyvero will not silently contradict the unlimited public proposition with a hidden numerical cap. It may apply reasonable, proportionate technical or account measures where needed to address fraud, abuse, unlawful use, security risk, deliberate system overload, extraordinary automated traffic, batching, provider restrictions, campaign stock or merchant-configured limits. Normally Loyvero will give notice and a reasonable opportunity to remedy; urgent security or legal risks may require immediate action.

7. Availability and changes

The service depends on application infrastructure and third-party providers. Loyvero may maintain, repair, improve or change features, including wallet integrations, and may temporarily suspend access for security, legal compliance, misuse or provider failure. No uptime or uninterrupted availability commitment is configured by these terms.

If Loyvero later prepares a binding agreement, material changes will require an appropriate notice and acceptance process rather than relying only on continued use. A new document version and effective date would identify material changes.

8. Content, data and intellectual property

The merchant retains responsibility for its names, logos, reward descriptions, campaign rules and customer data. The merchant grants Loyvero the limited licence needed to host, reproduce, display and process that content to provide the service. Loyvero retains rights in its platform, software, designs, documentation and improvements. No ownership transfer is implied.

Customer programme personal data is processed under the Merchant DPA when Loyvero acts as processor. The DPA, rather than this section, governs processing instructions, assistance, security and deletion or return.

9. Confidentiality and security

Each party should protect non-public information received from the other and use it only for the relationship, subject to information that is public, independently developed, already known, lawfully received or required to be disclosed. The parties must apply reasonable access and security practices appropriate to their role. The specific technical and organisational measures are set out only to the extent verified in the DPA.

10. Suspension and termination

Loyvero may suspend or restrict access proportionately for overdue or unconfigured commercial issues only where the applicable order provides for that action, and for urgent security, legal or abuse reasons. Any termination right other than the proposed merchant cancellation process below must be stated in the merchant order.

Rewards issued before suspension or termination survive suspension and termination and remain valid until their original expiry dates; customers may use them until those original expiry dates, and the Merchant remains responsible for honouring them. During that period, the Merchant receives limited access to the information and validation functions reasonably necessary to administer those rewards. Loyvero does not issue, fund or reimburse Merchant rewards. After the final active reward expires, a 30-day read-only export period applies and merchant access ends after that export period. Personal data is not erased immediately merely because the service ends; its return or deletion follows the DPA, the merchant’s documented instructions, the applicable privacy notice and mandatory law. These terms do not invent a universal deadline, while financial, tax, security and acceptance/audit evidence that must be retained remains protected.

11. Disclaimers and responsibility

Loyvero provides technology and does not provide legal, tax, regulatory, marketing or gaming advice. The merchant is responsible for reviewing its campaign mechanism and jurisdictions with qualified advisers. The random or tiered reward mechanism has not been legally approved by this page.

Any warranty, service level, exclusion of indirect loss, liability allocation or liability cap must be agreed after legal review. No liability cap or other limitation is invented here. Mandatory rights and liabilities that cannot lawfully be excluded remain unaffected.

12. Indemnity

No broad indemnity is created by this publication. Any narrowly tailored indemnity that is legally appropriate for merchant content, unlawful campaigns or misuse must be negotiated in the merchant contract and reviewed by counsel qualified in the relevant jurisdiction.

13. Force majeure

The parties should address events beyond reasonable control, including infrastructure, telecommunications and provider outages, in the merchant order. No particular force-majeure allocation or remedy is configured by this public document.

14. Data Processing Agreement

The public Merchant DPA at /dpa describes a proposed Article 28 relationship and schedules. It is non-binding, is not an offer or acceptance mechanism, and is not executed or incorporated merely because it is publicly available. A future binding agreement would need a separately reviewed document and a recorded process; this page does not invite that process.

15. Assignment and subcontracting

Assignment, change of control and subcontracting rights must be stated in the merchant order after review. Loyvero may use the providers listed in the DPA for the service; a subprocessor change process is described there without claiming an unverified transfer mechanism.

16. General terms and notices

The final contract should address notices, severability, waiver, entire agreement, order of precedence and counterparts. Those provisions are not fixed by this public draft. Notices to Rick Anker trading as Loyvero can be sent to hello@loyvero.com or 24, Triq ix-Xambekk, Baħar iċ-Ċagħaq, NXR 5072, Malta.

17. Governing law and courts

The provisional B2B position is Maltese law and the courts of Malta. This is not formal legal approval: qualified Maltese legal counsel must review and confirm the governing-law and competent-courts wording before any final contract relies on it.

18. Contact and review boundary

Questions about this proposed framework can be sent to hello@loyvero.com. Rick Anker operates Loyvero as a sole trader established in Malta. The version and effective date above identify this document. The Merchant Terms, VAT treatment and reward mechanism remain subject to professional Maltese legal and tax review. Operations elsewhere require advice in the relevant jurisdiction.