Terms of Service

Last updated: February 1, 2026

Welcome to Chaay.io. These Terms of Service govern your use of our mobile application and website. By accessing or using our services, you agree to be bound by these terms.

1. Acceptance of Terms

By creating an account or using Chaay.io services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy.

2. Description of Services

Chaay.io provides a digital loyalty rewards platform that allows:

• Customers to earn and redeem loyalty points at participating merchants
• Merchants to create and manage loyalty programs for their customers
• Digital voucher creation, distribution, and redemption
• Customer engagement through tiered rewards and special offers

3. User Accounts

Account Creation

To use certain features of our services, you must create an account. You agree to:

• Provide accurate and complete information
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized use
• Be responsible for all activities under your account

Account Termination

We reserve the right to suspend or terminate your account if you violate these terms or engage in fraudulent activity.

4. Loyalty Points and Rewards

• Points are earned based on purchases at participating merchants
• Points have no cash value and cannot be exchanged for money
• Points may expire according to program rules set by merchants
• We reserve the right to adjust point balances in case of errors or fraud
• Rewards and offers are subject to availability and may change

5. Merchant Terms

Merchants using our platform agree to:

• Honor all valid vouchers and point redemptions
• Maintain accurate business information
• Comply with all applicable laws and regulations
• Not engage in deceptive practices
• Pay applicable fees as agreed in merchant agreements

6. Prohibited Conduct

You agree not to:

• Use the service for any illegal purpose
• Attempt to gain unauthorized access to our systems
• Create fake accounts or manipulate point balances
• Share, sell, or transfer your account to others
• Interfere with the proper operation of our services
• Use automated systems to access our services

7. Intellectual Property

All content, trademarks, and intellectual property on our platform are owned by Chaay.io or our licensors. You may not copy, modify, or distribute our content without permission.

8. Disclaimers

Our services are provided "as is" without warranties of any kind. We do not guarantee:

• Uninterrupted or error-free service
• The accuracy of information provided by merchants
• The quality of products or services from merchants

9. Limitation of Liability

To the maximum extent permitted by law, Chaay.io shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services.

10. Indemnification

You agree to indemnify and hold harmless Chaay.io from any claims, damages, or expenses arising from your violation of these terms or your use of our services.

11. Governing Law

These terms shall be governed by and construed in accordance with the laws of Iraq. Any disputes shall be resolved in the courts of Baghdad, Iraq.

12. Changes to Terms

We may modify these terms at any time. Continued use of our services after changes constitutes acceptance of the modified terms. We will notify users of significant changes.