Legal

About these terms

These terms cover Kardy’s website, browser wallet and merchant application. Kardy is based in Singapore.

These terms apply between the Kardy operator and the user or business accepting them. If you act for an organisation, you must have authority to bind it. Nothing here excludes mandatory consumer rights or other protections that cannot lawfully be waived.

What Kardy provides

Kardy provides account identity, digital memberships and tools for merchants to manage loyalty programmes, stamps, rewards, outlets and authorised team access. Browser memberships for different merchants can share one Kardy identity while keeping their programme records separate.

The participating merchant supplies its goods, services and rewards. Kardy is not the seller of those goods and does not process customer checkout payments. Polar billing is for merchant subscriptions to Kardy, not for a customer’s purchase or reward transaction.

Your account and access

Provide accurate information, keep your credentials secure and use only accounts and memberships you are authorised to access. Do not share sign-in codes or impersonate someone else. If you cannot legally agree to these terms yourself, involve a parent or guardian before using the service.

Treat your membership QR and invitation links carefully. A QR identifies a membership; a screenshot, offline pass or displayed balance is not conclusive proof of current eligibility. Stamps and claims remain subject to the live programme rules and authorised confirmation. Report suspected misuse through Kardy’s contact route.

Organisations and team roles

An Owner controls organisation administration, team invitations and role changes, ownership transfer and billing. Managers can carry out permitted programme and day-to-day management tasks. Staff can carry out authorised member and loyalty operations without general configuration or team-administration rights. The permissions enforced by the service determine the actions available to each role.

A personal account may hold different roles in different organisations. Customer membership is separate from merchant team access. The organisation is responsible for granting suitable access and removing teammates who no longer need it.

Ownership transfer requires the checks and acceptance shown in the transfer flow. After completion, the former Owner becomes a Manager. Transfer does not automatically replace a stored billing payment method; the parties must review billing authority and payment details.

Stamps, rewards and deletion

Each merchant sets its reward description, stamp requirement, participating outlets and other disclosed conditions. Stamps are programme progress, not money held by Kardy, and are not transferable or cash-redeemable unless the merchant explicitly offers this. Claims must meet the current reward and outlet conditions and be confirmed through the authorised flow.

A merchant can delete any reward, including its default or last reward. Deletion immediately removes that reward from customer cards and prevents further claims, even where the stamp goal was previously reached. Progress assigned to a deleted reward is reset; where another reward remains, the affected membership can move to an available reward. With no rewards left, cards show ‘No rewards available’ and stop earning stamps. Past redemption history remains unchanged.

Merchants must clearly explain material programme changes and honour applicable law and commitments made to customers. The software’s ability to delete a reward does not cancel a merchant’s legal obligations or a customer’s statutory remedies. Contact the merchant about its offer or fulfilment; contact Kardy about a platform error.

Referrals and communications

Referral features are optional and depend on the merchant’s enabled settings. Joining through a referral link alone may not earn a bonus: account verification and a qualifying visit may be required. Do not create artificial accounts, self-refer, fabricate visits or send unsolicited invitations.

Merchants are responsible for lawful messaging, accurate content and obtaining the required marketing consent. Do not upload or contact people without authority. Respect unsubscribe requests. Kardy may restrict misuse; a broadcast draft or queue entry is not a guarantee of delivery.

Merchant subscriptions

The plan, currency, price, tax treatment, billing interval and any trial or promotional conditions shown at checkout apply to your subscription. Review them before confirming payment. Where recurring billing is selected, charges renew on the stated schedule until cancelled according to the billing controls and checkout terms.

Use the available billing portal to review or cancel a subscription. Cancellation, refunds and access through the paid period follow the terms disclosed at purchase and applicable law. Contact Kardy about billing errors. These terms do not impose an undisclosed trial, minimum term, seat charge or blanket no-refund rule.

Unpaid subscriptions may restrict paid features as disclosed in the service. Material renewal-price changes should be notified in advance so the organisation can choose whether to continue. Creating an organisation or changing its Owner does not itself authorise an undisclosed new charge.

Your content and customer data

You retain rights in the branding, text and other content you provide. You grant Kardy a limited, non-exclusive licence to host, process and display that content as needed to provide the service, including public business listings you choose to publish. You must have the rights and permissions necessary to supply it.

Merchants must use customer information only for authorised, lawful purposes and comply with their privacy notices and applicable data-protection duties. Kardy’s Privacy Policy describes platform data handling. A separate data-processing agreement may be needed for business use; these terms are not a substitute for one.

Kardy’s software, branding and service design remain the property of their respective owners. These terms give access to the service, not ownership of its intellectual property.

Acceptable use

Do not access another organisation’s data without permission, bypass security or plan controls, fabricate stamps or redemptions, exploit referral rules, upload unlawful or infringing material, distribute malware, or interfere with the service. Do not use Kardy for deceptive promotions or unlawful marketing.

We may investigate suspected abuse and take proportionate steps to protect users, including restricting access or removing unlawful content. Where appropriate, we will explain the action and provide a way to raise an error; urgent security or legal needs may require action first.

Availability and external services

Kardy may be interrupted by maintenance, connectivity problems or provider outages. We do not promise uninterrupted service or that a reward is always available at a merchant. Merchants should have a suitable way to handle customers during outages.

Demo and development environments use illustrative data and may disable saving, scanning, delivery or billing. Documentation and previews do not guarantee that a feature is live in production. Native Apple and Google Wallet features require enabled integrations; a native pass may not update automatically after a programme change.

We may improve or change the service. Material adverse changes to paid service should be communicated with reasonable notice where practicable, subject to urgent security, legal or operational needs and any applicable refund or cancellation rights. External services have their own terms.

Ending use

You may stop using Kardy and cancel applicable subscriptions through the available billing route. Account or data-removal requests require a verified contact process; do not assume that signing out, leaving a programme or cancelling billing immediately deletes all records.

Before closing an organisation or changing access, review team access, customer commitments and any required records. Necessary audit, dispute and legal records may remain subject to the Privacy Policy. Ending access does not erase accrued payment obligations or rights already arising under law.

Responsibility and disputes

Each party is responsible for its own breach of these terms and applicable law. Kardy does not guarantee a merchant’s offer, but remains responsible for its own obligations. No provision excludes liability for fraud or any liability that cannot legally be excluded. Any additional business liability limits must be expressly agreed.

Singapore law governs these terms, subject to mandatory laws that apply to you. Try to resolve concerns through the relevant merchant or Kardy’s contact route first. Unresolved disputes may be brought before the Singapore courts, without removing any mandatory right to seek a remedy elsewhere.

Updates and contact

Revisions will carry an updated date. Material changes will be communicated appropriately, with acceptance obtained where required. Changes do not retrospectively remove accrued rights. If part of these terms is unenforceable, the remaining provisions continue to apply where legally possible.

Use the Contact page for general enquiries about Kardy or these terms.