Terms of service

Effective 24 September 2026 · RFM Loyalty Co LLC, Office 1201, Control Tower, Motor City, Dubai, United Arab Emirates

1. These terms and who they are for

These terms govern your use of the rfmloyaltyco.ae website, the merchant platform at platform.rfmloyaltyco.ae, the Merchant Hub, and your dealings with us before a merchant agreement is signed. They are published by RFM Loyalty Co LLC (“RFM Loyalty”, “we”, “us”), a company registered in the United Arab Emirates with its office at Office 1201, Control Tower, Motor City, Dubai.

The payment, point of sale, loyalty and digital receipt services themselves are provided under a separate written merchant agreement signed with each business. If anything on this page conflicts with a signed merchant agreement, the merchant agreement prevails for that relationship. By using the website or platform you accept these terms; if you do not accept them, do not use them.

2. Eligibility

The merchant services are offered to businesses operating in the UAE. By applying you confirm that you are at least 18 years old, that you are authorised to act for the business named in the application, and that the information you provide is accurate and yours to give.

3. Applications and onboarding

Submitting an application through the website is a request for services, not a contract. We review every application, carry out the identity, licensing and anti-money-laundering checks that UAE law and the Central Bank of the UAE require, and may ask for supporting documents. We may accept or decline any application at our discretion and are not obliged to give reasons where the law restricts us from doing so.

Rates and fees are confirmed to you before you sign. Nothing shown on the website is a binding offer of a particular rate; your pricing is the pricing in your signed merchant agreement and written quote.

4. Your platform account

The merchant platform signs you in with one-time codes sent to the email address, or mobile number where enabled, that we hold for you. You are responsible for keeping access to that mailbox and number secure, and for everything done on the platform through your sign-in. Tell us immediately at sales@rfmloyaltyco.ae if you believe your account has been used without authority.

You agree to keep your contact and business details on the platform accurate and current. We may suspend access to protect you, other merchants or our systems, and we restore it as soon as the reason is resolved.

5. Acceptable use

You agree not to use the website or platform for anything unlawful, not to attempt to gain access to accounts or data that are not yours, not to probe, scan, overload or interfere with our systems, not to scrape content at scale, and not to upload malicious code or misleading material. We may remove content and restrict access where this section is breached.

6. Support requests and response times

Delivery windows, callback times and response targets shown on the platform, such as paper roll delivery estimates and ticket response hours, are genuine operational targets, not contractual guarantees. Where your merchant agreement contains service levels, those apply.

7. Partners Points

Partners Points is a closed-loop loyalty program operated by RFM Loyalty and available at participating merchants. Points have no cash value, cannot be sold or transferred, and can be redeemed only within the program under its rules. Participating merchants, earn rates and redemption options may change, and points may expire after a sustained period of inactivity; member-facing program rules are available from us on request. Membership requires only a mobile number, and members can ask us to close their membership at any time.

8. Intellectual property

The website, platform, and their content, including text, design, graphics, logos and software, belong to RFM Loyalty or its licensors. We grant you a limited, revocable, non-exclusive licence to use them for their intended purpose: learning about, applying for and managing our services. Card scheme names and marks shown on the website belong to their respective owners and appear to indicate acceptance only.

9. Disclaimers and liability

The website and platform are provided as they are. To the fullest extent permitted by UAE law, we exclude implied warranties about the website and platform and are not liable for indirect or consequential loss, loss of profit, or loss of data arising from their use, and our total liability arising from use of the website and platform, as distinct from the services under a signed merchant agreement, is limited to AED 1,000.

Nothing in these terms excludes or limits liability that cannot be excluded or limited under UAE law, including liability arising from fraud or wilful misconduct. Liability connected to the payment services themselves is governed by your merchant agreement.

10. Indemnity

You agree to compensate us for losses, claims and costs arising from your breach of these terms or your unlawful use of the website or platform, except to the extent we caused the loss ourselves.

11. Changes and termination

We may update these terms from time to time; the version on this page with the latest effective date applies. If a change materially reduces your rights we will tell platform account holders by email before it takes effect. We may withdraw or change website and platform features, and you may stop using them at any time. Ending a signed merchant agreement is governed by that agreement, including its notice period.

12. Governing law and disputes

These terms are governed by the federal laws of the United Arab Emirates as applied in the Emirate of Dubai. The courts of Dubai have exclusive jurisdiction over disputes arising from the website and platform, without prejudice to any dispute resolution terms in a signed merchant agreement. If any part of these terms is found unenforceable, the rest continues to apply.

13. Contact

RFM Loyalty Co LLC, Office 1201, Control Tower, Motor City, Dubai, United Arab Emirates. Email sales@rfmloyaltyco.ae, or call 04 451 0012 in Dubai, 02 445 1767 in Abu Dhabi or 06 527 7765 in Ajman during working hours.