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Terms of use

Baku 2025

The present Agreement sets up the following terms agreed between the owner of the InLoya internet resource and mobile application (platform) individually referred to as "Administration" on the one side and users of platform and services, individually referred to as "User” on the other side, hereinafter collectively referred to as the “Parties”.

1. Definitions

Definitions listed below will have the following meanings for purposes of this Agreement but not be limited to them:

  • Platform – is an information management system, containing an internet resource, applications and other services based on various operating systems, mobile applications, software, as well as a database of information placed by Administration and User on the inloya.com web address.
  • Administration – is a Frazex Limited Liability Company, the owner of the platform, being entitled to run it, registered and operating in accordance with the Legislation of the Republic of Azerbaijan.
  • User – is an individual, i.e. any legally capable person who has attained the age of 18 or has been emancipated, or a legal entity registered and operating in accordance with the Legislation, who has accepted the terms of the Agreement and uses the services of the platform.
  • Seller – is any individual or legal entity which forwards data about their goods and services as well as information on the loyalty program and campaigns to Users via the Platform’s services in order to stimulate their sales and turnover.
  • Account and personal information of User – is any information, including personal data voluntarily provided by the User during the registration process or use of the platform’s services; the data automatically transmitted to the Administration during the use of the Platform, including IP address, cookie information, details about the User’s browser, and other related information.
  • Inloya app. – is the software downloaded to the User’s mobile device that allows them to trace the products and services, loyalty program and campaign being carried out, and the activity of the selected Seller.
  • InLoya Vendor – is software that allows the Seller to scan QR-codes on loyalty cards, vouchers, coupons, and discount cards.
  • Loyalty program – is the functionality aimed at increasing the Customer's loyalty to the goods and services of the User (such as discount to the loyalty program, discount-savings, bonus, cash back, coalition, subscription programs, etc.).
  • Campaign – is an action carried out by the User to increase sales turnover.
  • Coupon – is the functionality of a section of the platform's campaign based on the principle of rewarding customers for fixed services.
  • Voucher – is the functionality of a section of the platform's campaign based on the principle of rewarding customers for recurring operations.
  • Discount – is the functionality of a section of the platform's campaign based on the principle of rewarding for specific purchases.
  • Spam – is mass, unauthorized and/or unwanted advertising, information, promotions, or different mails and other sendings.

2. Subject of the Agreement

  1. User obtains free-of-charge use of the services of the platform upon registration on the Platform or downloading the Inloya app on their mobile device. The Administration may modify the functionality of the Platform at any time without notifying the User.

  2. Without participating in trade relations between User and Sellers, the Administration provides services for the User to obtain information about sellers’ goods and services, loyalty programs, and campaigns through the Platform.

  3. This Agreement is a public offering and the User understands and agrees that it is deemed to be concluded and comes into legal force immediately upon its acceptance.

  4. The Platform is non-commercial in nature for Users, and they cannot use it for their own commercial purposes without the consent of the Administration.

3. Registration on the Platform

  1. User accrues the right to use the services of the Platform upon registration on the Platform or upon downloading the Inloya app on their mobile device.

  2. User’s account and personal information are displayed during the registration process. The User may change their account and personal information.

  3. User shall keep the account and personal information confidential and shall not disclose it to third parties. In accordance with the legislation, the User may not provide their account and personal information directly or indirectly to third parties for access to the Platform, except to persons who have acquired the right to represent the User’s interests.

  4. Any actions performed using the User’s account and personal information are considered to be carried out by the User or their designee, and the User is personally liable for any breach of this Agreement or applicable law arising from those actions.

  5. If there is any doubt about the disclosure or acquisition of the User’s personal information by third parties, the User shall immediately change their account and personal information themselves or at the request of the Administration.

  6. The Administration does not guarantee that the Users are the individuals or legal entities indicated in the registration information, nor that they have shown their true identity. The Administration is not liable for the accuracy of the information provided by Users. Users are personally liable for the accuracy of such information, for violating others’ rights, or for breaches of the Legislation of the Republic of Azerbaijan and international treaties to which Azerbaijan is a party.

  7. The Administration reserves the right to use special means to verify the data provided during registration and to block access to the User’s Personal Account.

  8. The Administration guarantees that the account and personal information provided during registration will not be transferred to third parties, unless otherwise provided by law.

  9. Transfer and dissemination of information (such as the User’s name, surname, patronymic, address, email address of a legal entity, social network information, and contact details) by the User to a Seller selected from the Platform is not deemed an illegal transfer of information to third parties. The Administration is not liable for any misuse of the User’s information by the Sellers.

4. Use of the Platform and Services

  1. The User may choose one or more Sellers from the list of sellers registered on the Platform. When selecting a Seller, the User logs the chosen Seller to their customer base.

  2. The Administration may automatically provide some of the User’s required information on the Platform to the selected Seller.

    • Types of Data Collected: Personal Data collected (either by the Platform itself or through third parties) includes: Usage Data; first name; last name; phone number; email address; date of birth; and gender. Personal Data may be provided voluntarily by the User, or, in the case of Usage Data, automatically when using the Platform. Unless stated otherwise, all Data requested by the Platform is mandatory. Failure to provide this Data may result in the inability to provide the Platform’s services. If some Data is indicated as non-mandatory, Users may choose not to provide it without affecting service availability. Users uncertain about which Personal Data is mandatory are encouraged to contact the Administration.

    • Methods of Processing: The Administration takes appropriate security measures to prevent unauthorized access, disclosure, modification, or destruction of the Data. Processing is carried out using computers and/or IT-enabled tools, following organizational procedures strictly related to the stated purposes. In some cases, Data may be accessible to persons involved in operating the Platform (administration, sales, marketing, legal, system administration) or external parties (e.g., technical service providers, mail carriers, hosting providers, IT companies, communications agencies) appointed as Data Processors by the Administration. An updated list of these parties is available upon request.

    • Purposes of Processing: The Data is collected to allow the Owner to provide its services, comply with legal obligations, respond to enforcement requests, protect rights and interests (of itself, its Users, or third parties), detect fraudulent activity, and for purposes including analytics, contacting the User, tag management, user database management, access to third-party accounts, interaction with social networks, registration and authentication, content commenting, remarketing, behavioral targeting, advertising, live chat interactions, data collection management, online surveys, and content performance testing (A/B testing).

    • Right to Request Deletion: The User has the right to request deletion of any personal information, subject to legal exceptions (e.g., information needed to correct errors, detect security incidents, or protect against fraudulent activities). If no legal exception applies, the Administration will delete the personal information and instruct its service providers to do so.

    • How to Exercise Rights: To exercise the rights described above, the User must submit a verifiable request to the Administration using the contact details provided in this document. The request must include sufficient information to verify the User’s identity and detail the request so that the Administration can properly respond. The Administration will not respond to any request if it is unable to verify the User’s identity.

  3. The User can access information about the selected Seller's goods and services, loyalty program, and active campaigns on the Platform.

  4. Information on the Seller's goods and services, loyalty program, and campaigns will be delivered to the User via automated communication channels, including:

    • Emails;
    • Push-Notifications;
    • Social Network messages;
    • SMS text-messages (with an abbreviated sender’s name).

  5. The Administration provides the User with the Inloya Vendor service to effectively utilize the loyalty program and campaigns implemented by the Sellers.

  6. The Administration creates a favorable environment for the User’s daily and continuous use of the Platform, except during periods of preventive maintenance.

  7. The User shall not advertise competing internet resources or platforms while using the Platform’s services, nor refer to them in any shared information, comments, records, or explanations.

  8. The User shall not engage in actions that may overload the Platform’s infrastructure, nor transfer, reproduce, modify, disseminate, or disclose information publicly without prior written permission from the Administration. The User must not obstruct the functioning of the Platform or impede automated systems or processes.

  9. The User undertakes that any information, comments, records, or explanations provided to the Sellers via the Platform shall not include the following:

    • Incorrect, inaccurate, or deceptive information;
    • Content that creates opportunities for fraud, deception, or abuse of trust;
    • Information relating to theft or transactions with counterfeit goods;
    • Infringement on the property or trade secrets of a third party, or violation of privacy rights;
    • Content that offends someone's honor, dignity, or business reputation;
    • Slanderous or threatening statements;
    • Calls for criminal activity or incitement of ethnic hatred;
    • Support for terrorist or extremist activities;
    • Dissemination of immoral or pornographic materials;
    • Storing computer viruses or malicious software aimed at damaging, interfering with, or disclosing system information;
    • Content that infringes on consumer rights or limits market competition;
    • Violation of the intellectual property rights of third parties.

  10. Users are personally liable for any statements or actions that breach the rights of third parties, violate applicable laws or international treaties. The Administration may block or cancel the User’s registration if such breaches are detected or reported.

5. Limitation of Liability

  1. The User agrees to use the Platform’s services at their own risk and responsibility.

  2. The Administration is not a party to any disputes between the User and Sellers or third parties, and the User will resolve such disputes independently without involving the Administration.

  3. The User indemnifies the Administration against any liability for lost benefits, or moral and material damages arising from the quality or defects of the Platform’s services.

  4. The User acknowledges that information provided in the loyalty program and campaigns is public and may be obtained or disseminated by third parties, accepting all associated risks (including but not limited to risks of spam, scams, or misuse of contact details).

  5. The User understands that the Administration is not a party to the exchange of information or purchase of goods and services between the User and Sellers, and is not liable for any violation of rights resulting therefrom.

  6. The User further agrees that the Administration is not responsible for verifying whether Sellers have the necessary rights, permits, or licenses for the sale of their goods and services, or for determining whether such goods and services are restricted by law. The User will not involve the Administration in disputes with Sellers regarding these matters.

  7. The User is solely responsible for the content they provide to Sellers and third parties through the Platform, as well as for any breach of legal requirements or third-party rights.

6. Force-Majeure

  1. The Parties shall not be held liable for partial or complete non-fulfillment of their obligations under this Agreement if it is proven that such non-fulfillment resulted from force-majeure circumstances arising from extraordinary events beyond the Parties’ control. These circumstances include acts of God (earthquakes, floods, volcanic eruptions, landslides, tidal waves, etc.), extreme weather conditions, or governmental moratoriums and other emergency situations as determined by the Parties.

  2. The Party affected by force-majeure circumstances must notify the other Party within 10 (ten) calendar days. Failure to notify in a timely manner will disallow reliance on force majeure.

7. Miscellaneous

  1. This Agreement-offer comes into force upon the User’s acceptance and remains in effect indefinitely.

  2. The Administration may unilaterally modify this Agreement at any time. Continued use of the Platform by the User constitutes consent to any modifications.

  3. Either Party may unilaterally terminate this Agreement by notifying the other Party. Notification is deemed submitted when sent to the e-mail addresses provided by the Parties or by the User during registration.

  4. The Administration may block or cancel the User’s registration without notification if the Platform is not used continuously for 3 (three) months.

  5. The Parties shall endeavor to settle any disputes arising from this Agreement amicably; if no agreement is reached, disputes will be resolved by the relevant courts of the Republic of Azerbaijan in accordance with local legislation.

  6. The Parties are liable for any breach of this Agreement, the legislation of the Republic of Azerbaijan, and applicable international treaties.

  7. The Parties undertake to keep confidential any information concerning the resolution of issues and the fulfillment of obligations under this Agreement, except as required by law.

8. Location issue for Frazex POS app

Frazex POS uses your device's location only to verify that transactions are made at authorized AZAL partner locations. Your location data is not stored, shared or used for any other purpose.

9. Administration’s Bank Details

"Frazex" MMC TAX ID 1403064411

Account number: IBAN: AZ35ACAB00210200000000626878

AccessBank CSC Azadlig Branch TAX ID 1400057421

SWIFT: ACABAZ22

CHIPS UID: 402004

Correspondent Bank: Deutsche Bank NY

Correspondent account: 04418228

SWIFT: BKTRUS33

CHIPS: 0103

ABA: 021001033;