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Terms of Service

Last updated: 3 September 2026

These Terms of Service (“Terms”) govern your use of the Matilvo app, matilvo.com and the Matilvo business portal (together, the “Service”), operated by Matilvo (“Matilvo”, “we”, “us”). By creating an account or otherwise using the Service, you agree to these Terms. If you do not agree, please do not use the Service.

1. What Matilvo is

Matilvo is a platform that lets customers earn points, unlock rewards, claim offers and discover participating local businesses through a single free account, and lets businesses run their own loyalty programme, receipt-based points claiming, offers, events and local advertising. Matilvo operates the platform; each participating business independently sets its own points rules, rewards, offers and redemption terms.

Matilvo has not yet publicly launched. Some features described on matilvo.com or in these Terms — including the consumer mobile app — may not yet be generally available, and availability dates are not guaranteed.

2. Eligibility and accounts

  • You must be at least 16 years old to create a Matilvo account.
  • You must provide accurate information and keep your account details up to date.
  • You are responsible for keeping your login credentials confidential and for all activity on your account.
  • One account per person. Accounts are personal and may not be sold, transferred or shared.

3. Points and rewards

  • Points are issued by, and belong to, the individual business you earn them from. Points cannot be transferred between businesses, exchanged for cash except where a business explicitly enables cash-value redemption, or transferred between Matilvo accounts.
  • Each business sets its own earning rate, minimum spend, maximum points per transaction, expiry rules and redemption options. Matilvo does not set or guarantee any particular points value, reward or redemption rate.
  • A business may correct a points balance (including reversing an incorrect award) where a transaction was made in error, is later found to be fraudulent, or is reversed for another legitimate reason. Corrections are always recorded as a new, auditable transaction — we never silently edit your history.
  • Rewards are subject to availability, stock limits and any per-customer redemption limits set by the business offering them.
  • The optional cross-network “Matilvo Score” and league rankings are separate from, and do not affect, any individual business's points balance.

4. Receipt claims

Where a business enables receipt-based points claims, you agree to submit only genuine, unedited receipts for purchases you actually made at that business. We use automated checks and, where configured by the business, manual staff review before points are awarded. We may reject a claim — with a reason shown to you — where a receipt is a duplicate, unreadable, outside the permitted claim window, does not match the business, or is otherwise suspected to be fraudulent. Repeated fraudulent claims may result in suspension of your account.

5. Offers, events and priority access

Offers, promotional pricing and event details are set by each business and may change or be withdrawn at any time, subject to the terms shown for that specific offer or event. Priority or early access to an event is a benefit offered at the discretion of the business running it.

6. Acceptable use

You agree not to:

  • Create multiple accounts, or an account using false information, to claim points, rewards or offers more than intended.
  • Submit fraudulent, altered or duplicate receipts.
  • Attempt to interfere with, reverse-engineer or disrupt the Service or its security controls.
  • Use the Service to harass, defraud or harm another user or business.
  • Resell, transfer or trade points, rewards or account access.

We may suspend or close an account that we reasonably believe breaches these Terms, including for fraud or abuse of the points and rewards system.

7. Businesses on Matilvo

Businesses register for Matilvo through the same onboarding process, regardless of size, and choose the modules they need — loyalty, local advertising, or both. Business subscriptions are billed monthly through our payment processor (Stripe) at the price and plan the business selects; plans, trial periods and pricing may change and are set out in the business portal at the time of purchase. A business is responsible for the accuracy of its own profile, rewards, offers, events and the fulfilment of any reward, discount or offer it publishes on Matilvo. Matilvo is not a party to, and is not responsible for, the underlying goods or services a business provides.

8. Local advertising

Advertiser subscriptions and any paid placement or boost are billed through Stripe at the price shown at the time of purchase. Sponsored listings are always clearly labelled “Sponsored”.

9. Intellectual property

Matilvo and its logos, design and software are owned by Matilvo or its licensors. Businesses retain ownership of their own name, logo, images and content, and grant Matilvo a licence to display them on the platform for the purpose of operating their loyalty programme, offers, events or advertising listing.

10. Third parties

The Service may link to, or facilitate transactions with, third-party businesses and services (for example, a business's own booking system). We are not responsible for the content, accuracy or conduct of any third party, and your dealings with a business are between you and that business.

11. Disclaimers and limitation of liability

The Service is provided “as is”. To the fullest extent permitted by law, we exclude all implied warranties, and we are not liable for indirect or consequential loss, or for the acts or omissions of any business on the platform. Nothing in these Terms limits liability that cannot lawfully be limited, including for fraud or death or personal injury caused by negligence.

12. Suspension and termination

You may close your account at any time from your account settings. We may suspend or terminate access to the Service for breach of these Terms, suspected fraud, or where required by law. Closing your account does not affect points or obligations that arose before closure.

13. Changes to these Terms

We may update these Terms from time to time. We will highlight material changes in the app or by email, and continued use of the Service after a change takes effect means you accept the updated Terms.

14. Governing law

These Terms are governed by the laws of England and Wales, and the courts of England and Wales have exclusive jurisdiction over any dispute.

15. Contact us

Questions about these Terms can be sent to hello@matilvo.com.