1. Acceptance of Terms

By accessing or using Rylio's services, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using our services.

2. Description of Service

Rylio is a financial technology platform that provides rewards and loyalty services by analyzing your spending patterns and offering personalized challenges and insights. Our services include:

• Automatic loyalty program enrollment and coin earning
• Social spending challenges and competitions
• AI-powered spending insights and recommendations
• Fraud detection and transaction verification
• Reward redemption and gift card services

3. User Accounts and Eligibility

To use Rylio, you must be at least 18 years old and legally able to enter into contracts. You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account.

4. Data Collection and Communication Consent

5. Financial Information and Bank Connections

Rylio uses secure, bank-level encryption to connect to your financial accounts through trusted third-party providers. By connecting your accounts, you authorize us to:

• Access your transaction history and account information
• Analyze spending patterns to provide personalized insights
• Award coins and rewards based on eligible transactions
• Verify transactions for fraud detection purposes

6. Rewards and Coins

Rylio coins are virtual rewards with no cash value. Coins can be redeemed for gift cards, cashback, or other rewards as available. We reserve the right to:

• Modify reward rates and redemption options
• Set expiration dates for coins
• Suspend or terminate accounts for fraudulent activity
• Change program terms with reasonable notice

7. Prohibited Uses

You agree not to:

• Use the service for any illegal or unauthorized purpose
• Attempt to gain unauthorized access to our systems
• Create fake accounts or manipulate the rewards system
• Share your account credentials with others
• Interfere with the proper functioning of the service

8. Limitation of Liability

Rylio provides services "as is" without warranties. We are not liable for any indirect, incidental, or consequential damages arising from your use of our services. Our total liability is limited to the amount you paid us in the past 12 months.

9. Termination

We may terminate or suspend your account at any time for violation of these terms or for any other reason. You may terminate your account at any time by contacting us. Upon termination, your right to use the service ceases immediately.

10. Changes to Terms

We reserve the right to modify these terms at any time. We will notify you of material changes via email or through our app. Your continued use of Rylio after such changes constitutes acceptance of the new terms.

11. Contact Information

If you have questions about these Terms of Service, please contact us at:

12. Governing Law

These terms are governed by the laws of [State/Country] without regard to conflict of law principles. Any disputes will be resolved through binding arbitration in [Location].