Terms and Conditions

Welcome to Ayoha Eco System.

These Terms & Conditions govern your access to and use of the Ayoha Eco System platform, membership card services, loyalty programmes, Ayoha Points, merchant vouchers, Ayoha Store, check-in campaigns, notifications and related services.

Ayoha Eco System is operated by NeoDataX Technology or its authorised platform operator.

By creating an account, accessing or using Ayoha Eco System, you agree to be bound by these Terms & Conditions. If you do not agree, please do not use the app or services.

1. Definitions

In these Terms & Conditions:

“Ayoha”, “Ayoha Eco System”, “we”, “our” or “us” refers to the Ayoha Eco System platform and its operator.

“User”, “you” or “your” refers to any person using the Ayoha Client App.

“Merchant” refers to a business, outlet, seller or service provider that offers membership cards, loyalty programmes, vouchers, products, services or promotions through Ayoha Eco System.

“Membership Card” refers to a merchant-issued card listed in Ayoha Eco System that may include loyalty programmes, perks, rewards, vouchers or benefits.

“Ayoha Points” refers to platform points that may be earned, collected or redeemed under Ayoha Eco System rules.

“Ayoha Store” refers to merchant online store features available through Ayoha Eco System.

“App Notifications” refers to in-app messages, web push notifications, merchant messages, reward alerts, order updates and account notifications.

2. About Ayoha Eco System

Ayoha Eco System is a digital platform that allows users to:

• Discover merchants and membership cards
• Subscribe to free or paid merchant membership cards
• Participate in merchant loyalty programmes
• Earn and redeem Ayoha Points
• Receive merchant vouchers and reward vouchers
• Check in at participating merchants
• Purchase items from Ayoha Store, where available
• Receive app notifications and merchant messages
• View membership, payment and reward activity

Ayoha acts as a platform provider. Merchants are responsible for their own products, services, membership offers, loyalty rewards, voucher terms, store items and customer fulfilment unless stated otherwise.

3. User Account

To use certain features, you may need to create an Ayoha account.

You agree to:

• Provide accurate and complete information
• Keep your account information updated
• Keep your login credentials secure
• Not share your account with another person
• Notify us if you suspect unauthorised access
• Use the app only for lawful and proper purposes

You are responsible for all activity under your account unless the activity is caused by our proven system failure or unauthorised access not due to your negligence.

4. Login Methods

Ayoha may support login methods such as:

• Email and password
• Google sign-in
• Other sign-in methods supported in future

If you sign in using a third-party provider such as Google, your use of that provider may also be subject to the provider’s own terms and privacy policy.

5. Eligibility

You must use Ayoha Eco System responsibly.

If you are below the age required by applicable law to enter into digital agreements or make payments, you should use Ayoha Eco System with permission from your parent or legal guardian.

We may restrict, suspend or terminate access if we believe an account is being used inappropriately, fraudulently or in breach of these Terms.

6. Merchant Membership Cards

Ayoha allows merchants to offer membership cards to users.

Membership cards may be:

• Free
• Paid
• One-time fee
• Time-limited
• Lifetime
• Campaign-based
• Subject to merchant-specific rules

By subscribing to a merchant membership card, you understand that:

• You are becoming a customer or member of that specific merchant only.
• Subscribing to one merchant card does not make you a customer of all merchants.
• Benefits may vary depending on the merchant’s programme.
• Some benefits may require merchant approval, eligibility checks or active card status.
• Expired, suspended or cancelled cards may lose access to related benefits.

7. Paid Membership Cards

Some merchant membership cards may require payment.

Before making payment, you should review:

• Card price
• Merchant name
• Card benefits
• Validity period
• Renewal terms, if any
• Loyalty programmes attached to the card
• Refund or cancellation terms
• Any restrictions stated by the merchant

Once payment is completed, the membership card may be activated according to the merchant’s rules and Ayoha platform process.

Ayoha may collect or process payment on behalf of merchants and may disburse the merchant’s share after deducting applicable platform fees, payment fees, refunds, adjustments or holding periods.

8. Ayoha Elite or Platform Membership

Ayoha may offer platform-level membership tiers such as Elite or other tiers in future.

Platform membership is separate from merchant membership cards.

This means:

• Ayoha Elite is a platform membership.
• Merchant membership cards are issued by individual merchants.
• Payment for Ayoha Elite does not automatically purchase merchant membership cards.
• Payment for a merchant membership card does not automatically upgrade your Ayoha platform membership tier.

Ayoha may introduce, modify or discontinue platform membership tiers, benefits or pricing from time to time.

9. Loyalty Programmes

Merchants may attach loyalty programmes to membership cards, including but not limited to:

• Stamp rewards
• Points
• Discounts
• Vouchers
• Coupons
• Contests
• Events
• Referral rewards

Loyalty benefits are subject to:

• Merchant rules
• Programme validity
• Customer eligibility
• Stock or reward availability
• Fraud prevention checks
• Campaign terms
• Ayoha platform rules

Ayoha does not guarantee that all merchants will offer the same benefits or that all rewards will remain available at all times.

10. Ayoha Points

Ayoha Points may be earned through eligible activities such as check-ins, campaigns, purchases, promotions or other platform activities.

Ayoha Points:

• Are not cash
• Have no guaranteed monetary value unless stated
• Cannot be transferred unless allowed by Ayoha
• Cannot be exchanged for cash unless expressly stated
• May expire
• May be reversed if earned through fraud, abuse, error or cancelled transactions
• May be subject to campaign rules or redemption limits

Ayoha may change point earning rates, redemption rules, expiry rules or reward availability from time to time.

11. Check-In Campaigns

Ayoha may allow users to check in at participating merchants to earn points, rewards, mystery rewards or campaign entries.

Check-in may require:

• QR code scanning
• Merchant location validation
• Active membership card
• App login
• Daily or campaign limits
• Anti-abuse checks

Check-in rewards are subject to the rules of the campaign.

Ayoha may reject, reverse or cancel check-ins that appear suspicious, duplicated, automated, manipulated or not performed at the actual merchant location.

12. Mystery Rewards and Campaign Prizes

Ayoha may offer mystery rewards, bonus points, lucky draws or prizes during campaigns.

Unless stated otherwise:

• Rewards are not guaranteed for every check-in.
• Prize eligibility may depend on campaign rules.
• Winners may be required to verify their account.
• Prizes may be substituted with items of similar value where necessary.
• Fraudulent or suspicious entries may be disqualified.
• Ayoha’s campaign records may be used as final reference for eligibility.

Additional campaign-specific terms may apply.

13. Merchant Vouchers

Merchants may issue vouchers to eligible users.

Merchant vouchers may have:

• Expiry dates
• Minimum spend requirements
• Outlet restrictions
• Product or service restrictions
• One-time use rules
• Membership requirements
• Redemption instructions

The merchant is responsible for honouring valid merchant vouchers according to the stated terms.

Ayoha may assist with voucher tracking, but final fulfilment may depend on the merchant.

14. Ayoha Eco System Vouchers

Ayoha may offer reward vouchers redeemable through Ayoha Points or platform campaigns.

Ayoha Eco System Vouchers may be subject to:

• Points redemption requirement
• Availability
• Validity period
• Merchant participation
• Redemption instructions
• Verification before use

Once used, expired or marked as redeemed, a voucher may not be reusable.

15. Ayoha Store

Ayoha Store allows participating merchants to list and sell products or services through the platform.

When you purchase from Ayoha Store:

• The merchant is the seller of the product or service.
• Ayoha provides the platform, checkout, record and facilitation tools.
• Product details, availability, pricing, images and fulfilment are provided by the merchant.
• Order processing, pickup, delivery and customer service may be handled by the merchant.
• Ayoha may assist with platform records, payment tracking and dispute support.

You should review item details, price, pickup or delivery method and merchant terms before placing an order.

16. Orders, Pickup and Delivery

For Ayoha Store orders:

• Orders are subject to merchant acceptance and availability.
• Pickup or delivery options depend on the merchant.
• Estimated time may vary.
• The merchant may update order status such as new, processing, ready, completed, cancelled or refunded.
• You are responsible for providing accurate contact and pickup/delivery information.

Ayoha is not responsible for delays caused by merchant operations, incorrect user information, unavailable items, third-party delivery issues or events outside our reasonable control.

17. Payments

Payments may be processed through third-party payment providers such as Stripe or other supported gateways.

By making payment, you agree that:

• Payment information may be processed by the payment provider.
• Ayoha may store transaction references, payment status, invoice details and receipt links.
• Full card or banking credentials are not stored by Ayoha.
• Payment confirmation may depend on the payment provider’s response.
• Failed, pending or interrupted payments may not activate the relevant product, order or membership until confirmed.

You should keep your payment receipt or transaction reference for support purposes.

18. Refunds, Cancellations and Disputes

Refunds, cancellations and disputes may depend on:

• Type of transaction
• Merchant policy
• Ayoha platform policy
• Payment provider rules
• Applicable law
• Whether the product, service, voucher or membership has already been used

For merchant membership cards and Ayoha Store purchases, the merchant may be responsible for reviewing the request unless Ayoha is directly responsible for the issue.

Ayoha may assist with dispute review but does not guarantee refund approval in every case.

Refunds may be denied or adjusted where:

• The service or benefit has already been used
• The membership card has been activated and benefits consumed
• The voucher has been redeemed
• The order has been completed
• The request is fraudulent, abusive or outside the allowed period
• The issue is caused by incorrect information provided by the user

Nothing in these Terms limits any rights you may have under applicable consumer protection laws.

19. App Notifications

Ayoha may send notifications relating to:

• Membership updates
• Voucher and reward alerts
• Ayoha Store orders
• Merchant messages
• Campaign announcements
• Security alerts
• Account activity
• Payment or transaction updates

You may manage notification preferences in the app.

If you disable device notifications, you may still receive in-app notifications where available.

Important account, payment, security or service-related notifications may still be sent when necessary.

20. Merchant Messages

Merchants may send messages to eligible customers through Ayoha, subject to platform rules and your notification preferences.

Merchants should only send relevant messages to customers connected to their merchant account.

Ayoha may restrict or suspend merchant messaging if messages are spam, misleading, abusive or against platform rules.

21. User Content and Reviews

Ayoha may allow users to submit reviews, ratings, comments, photos or other content.

You agree that your content must not:

• Be false, misleading or defamatory
• Violate another person’s rights
• Contain offensive, abusive or unlawful material
• Promote fraud or harmful activity
• Contain spam or unauthorised advertising
• Misrepresent your experience with a merchant

Ayoha may remove or moderate content that breaches these Terms or platform policies.

22. Acceptable Use

You agree not to:

• Abuse, hack, disrupt or overload the platform
• Create fake accounts
• Use bots, scripts or automated check-ins
• Manipulate points, rewards, vouchers or payments
• Attempt to access another user’s account
• Use the platform for unlawful or fraudulent purposes
• Misuse promotions, refunds or campaigns
• Copy, reverse engineer or exploit the app without permission
• Upload malicious code or harmful content

Ayoha may suspend or terminate accounts involved in misuse, fraud or suspicious activity.

23. Fraud Prevention

Ayoha may monitor activity to detect fraud, abuse, duplicate accounts, suspicious transactions, fake check-ins, voucher misuse or reward manipulation.

We may:

• Delay reward issuance
• Reverse points
• Cancel vouchers
• Suspend membership benefits
• Block transactions
• Request verification
• Suspend or terminate accounts
• Report unlawful activity where required

24. Merchant Responsibility

Merchants are responsible for:

• Accuracy of merchant profile information
• Membership card details
• Loyalty programme rules
• Voucher terms
• Product listings
• Store item images and descriptions
• Pricing
• Order fulfilment
• Customer service
• Refund or cancellation handling where applicable
• Compliance with laws related to their products and services

Ayoha may review or remove merchant content that is misleading, inappropriate or against platform rules.

25. Platform Availability

We aim to keep Ayoha Eco System available and reliable, but we do not guarantee that the app will be uninterrupted, error-free or available at all times.

Access may be affected by:

• Maintenance
• System upgrades
• Internet issues
• Device limitations
• Third-party service outages
• Payment gateway issues
• Security incidents
• Events outside our reasonable control

26. Changes to Features

Ayoha may add, modify, suspend or remove features from time to time, including:

• Membership features
• Points rules
• Check-in rules
• Voucher features
• Store features
• Notification features
• Platform membership tiers
• Campaigns
• Pricing or fees

Where reasonable, we may provide notice of significant changes through the app or other communication channels.

27. Intellectual Property

All Ayoha branding, design, software, platform structure, graphics, logos, icons, text, features and content are owned by Ayoha, its operator or licensed partners unless stated otherwise.

You may not copy, reproduce, modify, distribute, sell or exploit Ayoha intellectual property without written permission.

Merchant logos, product images and merchant content may belong to the respective merchants.

28. Third-Party Services

Ayoha may integrate with third-party services such as payment gateways, authentication providers, hosting services, analytics tools, messaging services or map/location providers.

Your use of third-party services may be subject to their own terms, privacy policies and service availability.

Ayoha is not responsible for third-party service failure, but we may assist where reasonably possible.

29. Personal Data and Privacy

Your personal data will be handled according to our Privacy Policy.

Please read the Ayoha Privacy Policy to understand how we collect, use, store, share and protect your personal data.

By using Ayoha Eco System, you agree that your personal data may be processed for the purposes described in the Privacy Policy.

30. Account Suspension or Termination

Ayoha may suspend, restrict or terminate your account if:

• You breach these Terms
• You misuse the platform
• Fraud or suspicious activity is detected
• Required verification is not completed
• Your activity causes risk to Ayoha, merchants or other users
• We are required to do so by law or authority

You may also stop using the app at any time.

Some transaction records may still be retained where required for legal, accounting, audit, security, payment or dispute purposes.

31. Limitation of Liability

To the fullest extent permitted by law, Ayoha will not be liable for:

• Merchant failure to honour offers, vouchers or services
• Incorrect merchant information
• Product or service quality issues caused by merchants
• User error or incorrect information
• Loss caused by unauthorised access due to user negligence
• Third-party payment provider issues
• Indirect, incidental or consequential loss
• Loss of points, rewards or benefits due to breach of rules
• Temporary app downtime or technical errors

Where Ayoha is legally liable, our liability may be limited to the amount paid by you for the relevant transaction or service, unless applicable law requires otherwise.

32. Disclaimer

Ayoha provides the platform on an “as is” and “as available” basis.

While we aim to provide accurate and reliable services, we do not guarantee that:

• All merchant offers are always available
• All rewards will remain unchanged
• All app functions will be error-free
• All notifications will be delivered instantly
• All merchant information is complete or updated at all times

You should review merchant terms, campaign rules and payment details before making any decision.

33. Governing Law

These Terms & Conditions are governed by the laws of Malaysia.

Any dispute arising from or relating to these Terms, the app or the services may be handled through customer support, internal review, mediation, tribunal, court or other lawful dispute resolution process available in Malaysia.

34. Changes to These Terms

Ayoha may update these Terms & Conditions from time to time.

When we update the Terms, we may update the version number, effective date or notify users through the app where appropriate.

Your continued use of Ayoha Eco System after the updated Terms become effective means you accept the updated Terms.

35. Contact Us

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

36. Important Notice

These Terms & Conditions apply to the Ayoha Client App and related Ayoha Eco System services.

Additional terms may apply to specific merchants, membership cards, loyalty programmes, campaigns, vouchers, store purchases, payment providers or promotional activities.