Effective date: 12 October 2026

These Terms of Use ("Terms") govern access to Havera's website, apps and participant services (the "Services"), operated by Havera For Loyalty Card Services CO. L.L.C S.O.C, a company registered in Dubai under DET Licence No. 1588905 ("Havera", "we"). Our registered office is Office 43-44, Dubai Municipality Property, Al Fahidi, Bur Dubai, Dubai, United Arab Emirates. By registering for or using the Services, you accept these Terms. Our Privacy Policy explains how we handle personal information. If you use Havera on behalf of an organisation, a separate organisation agreement may also apply; it prevails over these consumer-facing provisions only to the extent lawfully agreed for the organisation relationship.

Havera is for adults. By registering for or using the Services, you declare that you are 18 years of age or older. You must provide accurate registration information. Keep credentials secure and report suspected unauthorised access. You must have appropriate authority to act on behalf of an organisation. We may require reasonable checks to verify identity, eligibility or participation.

Havera is a regional engagement platform, free of charge for participants. Organisations offer campaigns, campaigns contain quests and quests contain activities. Activities may include knowledge challenges, online activities, visits, attendance and physical participation validated through QR codes or other authorised evidence. The availability of campaigns, regions, features and verification methods varies. A displayed quest is not a guarantee that a venue will be open, an activity will remain available or a reward will be issued.

You must personally fulfil the conditions of each activity unless the rules expressly allow otherwise. False QR scans, fabricated location or attendance, multiple-account abuse, automation, impersonation, manipulation of scores and misleading or unlawfully obtained proof are prohibited. Havera or the responsible organisation may validate evidence, reject ineligible submissions, reverse improperly awarded recognition or suspend abusive participation, subject to applicable law and fair handling of disputes.

XP and badges are recognition within Havera, not money, electronic cash, securities or transferable financial assets. They have no guaranteed cash or redemption value. Their earning rules and any expiry or adjustment must be clearly disclosed in the relevant service or campaign rules. Some campaigns may separately offer vouchers, goods, discounts, prizes or other benefits. Such rewards are subject to stated eligibility, availability, redemption, fulfilment, expiry and complaint conditions, and may be provided by a named organisation or partner. Nothing in these Terms excludes rights or responsibilities that cannot lawfully be excluded.

Havera does not award XP, badges or any other benefit for liking, commenting on, following or sharing content on any social-media platform, and organisations may not offer such incentives through Havera.

Organisations may commission Havera campaigns and quest services under fixed-fee, subscription or other written commercial arrangements. The scope, pricing, deliverables, service levels, payment, refunds, termination and any taxes will be specified in the applicable organisation agreement; they are not established by these participant Terms. An organisation offering a campaign must have authority over its content, locations, trademarks, evidence requirements and any promised reward or promotion, and must comply with applicable law and permit requirements.

Activities may take place at third-party venues and events that Havera does not own or control. Participants must observe venue rules and reasonable safety instructions. Venue admission fees, travel, access requirements or additional third-party charges should be clearly indicated by the responsible organiser where relevant. A partner's own applicable conditions may govern services or benefits it supplies, without displacing mandatory consumer rights.

Havera and its licensors retain rights to the Services and Havera branding. You retain any rights you own in submitted content. By submitting permitted material, you grant Havera a non-exclusive licence to host, reproduce, assess and display it only as reasonably necessary to operate and evidence the relevant Services and campaign, subject to privacy settings, applicable agreements and law. You must not upload material that infringes another person's rights, breaches privacy or is illegal.

You may receive essential account and campaign-service communications where permitted. Optional marketing messages and WhatsApp engagement require the applicable permissions and unsubscribe or opt-out controls. If third-party connections are offered, those providers' terms also apply. Integrations are available only where enabled for your account.

You may stop using the Services and request account closure. We may restrict or suspend access for security risks, fraud, serious breach, unlawful activity or operational necessity, taking account of any legal requirements and legitimate claims relating to completed participation or purchased services. Changes to active campaigns and material participant benefits should be handled under the campaign conditions and applicable law.

We aim to maintain a reliable service but cannot guarantee uninterrupted access, perfect location or QR verification, or that every third-party venue or campaign will remain available. Any limitation or exclusion of liability applies only to the extent permitted by applicable law. Nothing in these Terms limits liability for fraud, intentional misconduct, or any responsibility or consumer right that cannot lawfully be excluded. Liability between Havera and an organisation is governed by the applicable organisation agreement.

We may update these Terms. We will display the current version and effective date and provide further notice or seek renewed acceptance where required by law. Changes do not remove rights already accrued under applicable law.

These Terms are governed by applicable laws of the United Arab Emirates and the Emirate of Dubai, without prejudice to mandatory legal protections that apply to you. Courts having jurisdiction under applicable law may hear disputes. Please contact us first at h@havera.xyz so that we may attempt to resolve your concern.

Havera For Loyalty Card Services CO. L.L.C S.O.C · DET Licence No. 1588905 · Registered office: Office 43-44, Dubai Municipality Property, Al Fahidi, Bur Dubai, Dubai, United Arab Emirates · h@havera.xyz · +971 50 613 6613.