Terms & Conditions

01 Acceptance of Terms

By downloading, installing, accessing, or using the Allora mobile application ("App"), you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, you must immediately cease all use of the App and delete it from your device.

These Terms constitute a legally binding agreement between you ("User", "you", or "your") and Allora (Pty) Ltd ("Allora", "we", "us", or "our"). We reserve the right to modify these Terms at any time. Continued use of the App after any modifications constitutes your acceptance of the revised Terms.

We will notify you of material changes via in-app notification or email. It is your responsibility to review these Terms periodically.

01.1 Nature of Service

Allora is a loyalty rewards aggregation and management platform, NOT a financial services provider. We facilitate the tracking and management of loyalty points, rewards, and cashback from existing third-party programs.

We do not provide banking, lending, investment, cryptocurrency, or payment processing services. References to 'payments' in these Terms relate solely to optional shipping fees for physical reward deliveries, processed through third-party payment gateways.

02 Definitions

For the purposes of these Terms, the following definitions apply:

• "Account" means the personal or business profile created by a User to access the App's features.
• "Business" or "Party" means a registered commercial entity using the App to offer loyalty programs or other services.
• "Cashback" means loyalty program rewards issued by participating Businesses, tracked as points within the App. Cashback has no monetary value unless explicitly converted by the issuing Business.
• "Consumer" or "Customer" means an individual User who participates in loyalty programs or uses other consumer-facing features.
• "Loyalty Program" means a rewards scheme created by a Business through the App, including threshold-based rewards, cashback programs, and percentage discount programs.
• "Allo Wallet Card" means the universal digital loyalty card issued to Users for use across all participating Businesses.
• "Reward" means any benefit, discount, cashback, or incentive earned by a Consumer through participation in a Loyalty Program.
• "Agent" means an individual authorised by a Business to perform actions on behalf of that Business within the App.
• "KYC" means Know Your Customer verification documentation required for Business registration.
• "Content" means all text, images, data, information, and materials uploaded, submitted, or displayed through the App.

03 Eligibility

You must be at least 18 years of age or the age of legal majority in your jurisdiction to create an Account and use the App. By creating an Account, you represent and warrant that:

• You are of legal age to form a binding contract;
• All registration information you submit is truthful, accurate, current, and complete;
• You will maintain the accuracy of such information;
• Your use of the App does not violate any applicable law, regulation, or obligation; and
• If registering a Business, you have the legal authority to bind that Business to these Terms.

04 Account Registration and Security

To access the App's features, you must create an Account using one of the following methods: email and password registration, Google Sign-In, or Apple Sign-In.

You are responsible for maintaining the confidentiality of your Account credentials. You agree to:

• Create only one personal Account;
• Not share your Account credentials with any third party;
• Immediately notify us of any unauthorised use;
• Ensure that you sign out at the end of each session; and
• Not use another User's Account without permission.

You are solely responsible for all activities under your Account.

05 Business Registration and Verification

Businesses must complete registration including:

• Legal business name and trading name;
• Business industry and type;
• Physical business address;
• Contact details; and
• Any additional verification information.

All registrations are subject to review and approval. KYC documentation may be required. Businesses may appoint Agents with role-based permissions via the Control Panel.

06 Loyalty Programs

The App enables Businesses to create and manage digital loyalty programs and enables Consumers to participate in them.

6.1 Program Creation

Businesses may create programs specifying: program name, reward type, scans required, reward value, and promotional rules. Businesses are solely responsible for accuracy and fairness. Programs may be paused, activated, or deleted.

6.2 Program Participation

Consumers join programs voluntarily via the Allo Wallet tab. Rewards are earned by scanning barcodes/QR codes. Allora is not responsible for reward fulfilment by Businesses.

6.3 Joint Loyalty Programs

Multiple Businesses may participate in joint programs. Allora facilitates the technology but does not control joint program terms.

07 Allo Wallet Card

Each Consumer receives a digital Allo Wallet Card upon registration. It serves as a universal loyalty identifier across all participating Businesses.

The card remains property of Allora and is non-transferable. Any attempt to duplicate, forge, or tamper with the Allo Wallet Card may result in immediate Account termination and legal action.

08 Rewards and Cashback

All rewards and cashback referenced in these Terms are loyalty program benefits provided by participating Businesses, not financial instruments. Cashback is tracked as points within the App and has no cash value unless explicitly stated by the issuing Business.

Rewards earned through the App are subject to the following conditions:

• Rewards are subject to Business rules and validation;
• Rewards have no cash value unless explicitly stated by the issuing Business;
• Rewards may have expiration dates set by the Business;
• Allora is not responsible for reward fulfilment — this is the sole obligation of the issuing Business;
• Redemption may be performed via QR code, reward ID, or offline PIN;
• Reward transfers are permitted via email, phone number, or QR code;
• Cashback is calculated per the specific program rules defined by the Business;
• Transfers of cashback between Users are permitted;
• Allora reserves the right to reverse fraudulent transactions;
• Threshold rewards are earned after completing the qualifying number of scans; and
• Complete transaction history is maintained within the App.

10 Retail Cards

Consumers may store digital retail loyalty cards within the App. Allora has no affiliation with third-party retail programs and does not control their terms or conditions.

Accuracy of stored card information is the Consumer's sole responsibility. Card data is stored locally on the device with optional cloud synchronisation.

11 Shipping Fees and Third-Party Payments

Allora is not a payment processor. Optional shipping fees for physical reward deliveries are processed through third-party payment gateways. Allora does not store, process, or manage financial transactions or payment card details. All payment processing is subject to the third-party gateway's terms and conditions. Refund policies for shipping fees vary by service.

13 QR Code and Barcode Usage

QR codes and barcodes generated within the App are for exclusive use on the Allora platform. Users may not reverse-engineer, manipulate, or exploit these codes for any purpose outside the App.

Allora is not liable for failed scans due to device limitations, environmental conditions, or hardware incompatibility.

14 Notifications and Communications

By creating an Account, you consent to receiving push notifications, email communications, and in-app messages from Allora. These communications may include service updates, promotional offers, and transactional information.

Critical service notifications (such as security alerts and Terms updates) cannot be disabled. Allora is not responsible for notifications that fail to deliver due to device settings, network issues, or third-party service interruptions.

17 User Conduct

You agree not to engage in any of the following prohibited activities:

• Use the App for any unlawful purpose;
• Create false or misleading accounts;
• Manipulate or fraudulently earn rewards;
• Interfere with the App's infrastructure or operations;
• Attempt to gain unauthorised access to other accounts or systems;
• Upload harmful code, viruses, or malware;
• Harvest or collect user data without authorisation;
• Use automated bots, scripts, or tools to interact with the App;
• Impersonate other users, businesses, or Allora personnel;
• Send unsolicited spam or marketing communications;
• Reverse-engineer, decompile, or disassemble any part of the App;
• Remove or alter any proprietary notices or labels; or
• Damage, disable, or impair App functionality.

Violations may result in immediate Account termination and legal action.

18 Intellectual Property

All intellectual property rights in the App, including but not limited to source code, design, graphics, logos, trademarks, and documentation, are owned by Allora (Pty) Ltd. A limited, non-exclusive, non-transferable licence is granted to you for personal use of the App.

You may not copy, modify, distribute, sell, lease, or create derivative works based on the App or its content. User-uploaded content remains your property, but you grant Allora a worldwide, royalty-free licence to use such content as necessary for service operation and improvement.

19 Privacy and Data Protection

Your privacy is governed by our Privacy Policy, which is incorporated into these Terms by reference. We collect and process the following categories of data:

• Account information (name, email, phone number);
• Business information (for Business accounts);
• Transaction data (loyalty scans, rewards, purchases);
• Device information (model, OS, unique identifiers);
• Location data (with your consent);
• Usage data (app interactions, feature usage); and
• Communication data (support messages, feedback).

We implement industry-standard security measures to protect your data. However, no method of electronic transmission or storage is 100% secure, and we cannot guarantee absolute security.

20 Third-Party Services

The App integrates with various third-party services including Google authentication, Apple authentication, payment gateways, shipping carriers, advertising networks, and analytics providers.

Your use of these integrated services is subject to their respective terms of service and privacy policies. Allora is not responsible for the availability, accuracy, or reliability of third-party services.

22 Offline Functionality

Limited features of the App are available when offline, including viewing cached loyalty cards and using offline PINs for reward redemption. Data created or modified offline will synchronise automatically when internet connectivity is restored.

Offline PIN codes are stored securely on your device only and are not transmitted to Allora servers.

26 Contact Us and Support

Support is available through the Help and Support section within the App. We aim to respond to all enquiries within a reasonable timeframe.

Allora may close support queries that have been resolved, are duplicates, or where no response has been received from the User within a reasonable period.

27 Disclaimer of Warranties

28 Limitation of Liability

29 Indemnification

You agree to indemnify, defend, and hold harmless Allora, its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising from:

• Your use of the App;
• Your violation of these Terms;
• Your violation of any third-party rights;
• Content you upload or submit;
• Loyalty programs you create or manage;
• Actions performed by your Agents; and
• Any fraudulent or illegal activity conducted through your Account.

30 Termination

Either party may terminate this agreement at any time. Allora reserves the right to suspend or terminate your Account with or without cause and with or without prior notice.

Upon termination:

• All rights granted to you under these Terms immediately cease;
• Unredeemed rewards may be forfeited;
• Account data may be deleted in accordance with our data retention policies; and
• Provisions that by their nature should survive termination (including indemnification, limitation of liability, and governing law) shall continue in effect.

31 Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the Republic of South Africa.

Any dispute arising from or relating to these Terms shall first be submitted to mediation. If mediation fails to resolve the dispute within 30 days, the matter shall be submitted to binding arbitration administered by the Arbitration Foundation of Southern Africa (AFSA) in Johannesburg, South Africa.

32 Force Majeure

Allora shall not be liable for any failure or delay in performing its obligations under these Terms where such failure or delay results from circumstances beyond its reasonable control, including but not limited to:

• Natural disasters, earthquakes, floods, or severe weather;
• Pandemics or public health emergencies;
• Government actions, regulations, or sanctions;
• War, terrorism, or civil unrest;
• Power outages or telecommunications failures; and
• Cyberattacks or widespread internet disruptions.

33 Modifications to the App

Allora reserves the right to modify, update, suspend, or discontinue any part of the App at any time, with or without notice. This includes adding or removing features, changing interface design, and updating functionality.

Allora shall not be liable to you or any third party for any modification, suspension, or discontinuation of the App or any of its features.

34 Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid and enforceable, or if modification is not possible, it shall be severed from these Terms.

The invalidity of any provision shall not affect the validity or enforceability of the remaining provisions.

35 Entire Agreement

These Terms, together with the Privacy Policy, constitute the entire agreement between you and Allora regarding your use of the App. These Terms supersede all prior or contemporaneous agreements, communications, and proposals, whether oral or written.

36 Account Inactivity

If your Account remains inactive for a period of twelve (12) or more consecutive months, the following process will be initiated:

• A notification will be sent to your registered email address informing you of the pending deactivation;
• A 30-day grace period will be provided to reactivate your Account;
• If no action is taken during the grace period, all unredeemed rewards will be forfeited; and
• Your Account will be permanently deleted in accordance with our data retention policies.

37 User-Generated Content

You represent and warrant that you own or have the necessary rights and permissions for all content you upload, submit, or display through the App.

Allora reserves the right to moderate, review, and remove any User-generated content that violates these Terms, applicable laws, or our content policies. Allora is not responsible for User-generated content and does not endorse any opinions or claims expressed therein.

38 Anti-Spam and Communication Policy

Users may not send unsolicited communications through the App. Businesses may communicate with their customers only through designated channels provided within the platform.

Allora may restrict, suspend, or terminate accounts that violate this anti-spam policy, including accounts that send bulk unsolicited messages or misuse communication features.

39 Accessibility

Allora is committed to making the App accessible to all users, including those with disabilities. The App supports:

• Screen reader compatibility;
• Adjustable font sizes;
• High contrast display modes;
• Keyboard navigation; and
• Alternative text for visual elements.

If you encounter accessibility barriers, please report them through the Help & Support section and we will work to address them.

40 Beta Features

From time to time, Allora may offer beta or experimental features. These features are provided "as is" and may contain bugs, errors, or incomplete functionality.

Use of beta features is entirely voluntary and at your own risk. Feedback provided regarding beta features may be used by Allora without compensation or obligation. Beta features may be modified or discontinued at any time without notice.

41 Export Control and Sanctions Compliance

Users must comply with all applicable export control laws, trade sanctions, and regulations when using the App. You represent and warrant that you are not located in, or a national or resident of, any country subject to comprehensive trade sanctions, and that you are not listed on any government restricted or denied parties list.

42 Assignment

You may not assign, transfer, or delegate your rights or obligations under these Terms without Allora's prior written consent.

Allora may freely assign its rights and obligations under these Terms in connection with a merger, acquisition, corporate restructuring, or sale of all or substantially all of its assets, without your consent or prior notice.

43 Waiver

No failure or delay by Allora in exercising any right, power, or privilege under these Terms shall operate as a waiver thereof. No single or partial exercise of any right shall preclude any other or further exercise of that right or the exercise of any other right.

Any waiver of these Terms must be in writing and signed by an authorised representative of Allora to be effective.

44 Contact Information

For general enquiries and support, please use the Help and Support section or Contact Us feature within the App.

For formal legal notices, communications should be addressed to: