Privacy Policy
Privacy Policy
Privacy Policy
Last Updated: August 8th, 2025
Welcome to Tern Rewards!
Your privacy is important to Us. This online privacy policy (“Privacy Policy”) together with the documents and policies incorporated and referenced in the Privacy Policy, including the Terms and Conditions (the “Terms”), shall constitute an agreement (“Agreement”) between You (“You”, “Your”, “Yourself”), and “Tern Rewards” along with its affiliates, successors, and assigns (“Tern”, “We”, “Us”, or Our”).
By visiting Our Website (the “Website”), and Our mobile application (the “App”), and any application and technology We make available and use Our Services (collectively the Website, the App, and Tern dashboard are referred to as the “Platform”) or any other Service offered on the Platform, whether as a Visitor, or User and by accessing Our Platform, You indicate that You accept this Policy and that You agree to abide by its terms. If You do not agree to this Policy, please do not access Our Platform. You should read this Agreement carefully before beginning to use the Platform.
As part of its commitment to privacy, Tern respects all rules and provisions stated in the UAE Data Protection Laws. We will also comply with any specific data laws and regulations in Your jurisdiction. Please let Us know if there are any such laws that We should be aware of and comply with. We reserve the right to modify Our Privacy Policy at any time to ensure that We remain in compliance with applicable laws and regulations.
We collect, share, use, and protect information when You visit Our application and website through the following URL https://ternrewards.com and through the Tern dashboard.
This Privacy Policy should be read in conjunction with the Terms. All undefined terms used in this Privacy Policy shall have the same meaning ascribed to them in the Terms unless expressly otherwise provided for.
It is Your responsibility to check Our Privacy Policy periodically for changes. We reserve the right to revise this Privacy Policy at any time and without prior notice. Any alterations will be conveyed to Users through email notifications or Platform announcements and will be effective immediately upon posting the revised Privacy Policy on Our Website, with the updated date displayed at the top. Your continued use of Our Services after any changes to this Privacy Policy signifies Your acceptance of the updated terms. We recommend that You periodically review this Privacy Policy to stay informed about Our data-handling practices.
1. Type of Personal Data We Collect
When You visit Our Platform, We may collect personal information from or about You. In particular, We collect information that You provide when You:
(a) fill in any forms, including contact forms, registration forms, order forms, or payment forms;
(b) register to use the Platform, including the Personal Data (as defined below);
(c) open an account or use any of Our Platform, including information about Your device, location, and usage data;
(d) speak with a member of Our customer support team (either on the phone or through the Platforms) including call recordings and transcripts;
(e) contact Us for any other reason including correspondence and feedback.
We may collect Your personal information that You have left with Us by visiting Our Platform, or by subscribing to Our Platform or attending an event or any other medium linked to Us, and any details relating to when and where You request Our Services, including Your geographical location, as well as details of the device on which any of Our Platforms, which may include Your operating system and versions, unique device identifiers, serial numbers, mobile network, and Wi-Fi information (the “Personal Data”). The User’s Personal Data may include but is not limited to, the following:
Identity Data: includes name, nickname, age, gender, nationality, marital status, language, education and job.
Contact Data: includes country of residence, address, email address and telephone numbers.
Financial Data: includes bank account and payment card details (collected by our Payment Service Provider under UAE Central Bank regulation).
Transaction Data: includes details of services you have purchased from us.
Rent Data: includes the information related to your rent of the Tenancy Agreement, including without limitation, the lease ID, rent amount, and due dates for the payments;
Technical Data: includes internet protocol (IP) address, your login data, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and Site, and other technology on the devices you use to access the Site.
Account Registration Data: includes certain information in connection with the account registration process such as whether You registered using any Third Party Services and whether You verified Your email address or phone number.
Usage Data: includes information about how You use Our Site.
Login Data: includes information regarding logins and activity conducted during that log in such as when You log in, the number of messages received or sent through the Site during that log in, and whether you have been assigned, started or completed a counseling goal. This does not include the content of any messages sent or received by you or the content of any counseling goals.
Marketing and Communications Data includes your preferences in receiving marketing from us and our third parties and your communication preferences
As part of Our commitment to transparency, Tern keeps records of all Service history with regard to completed Services, canceled Services, active Services, and upcoming scheduled Services.
Moreover, in order to improve Your online experience at Tern, We have implemented impression reporting. While You view Our Platform and navigate Our Website We gather Global Unique Identifier (“GUI”), HTTP request data like user agent, IP, host, URL, country/continent from which the request is made, browser info, device/operating system/operating system version.
2. Cookies and Similar Technologies
A browser cookie (the “Cookies”) is a small piece of data that is stored on Your device to help websites remember things about You. Other technologies, including web storage and identifiers associated with Your device, may be used for similar purposes. In this Privacy Policy, We use Cookies to refer to all of these technologies.
Like most online services and websites, We may use Cookies and other technologies, such as web beacons, web storage, and unique advertising identifiers, to collect information about Your activity, browser, and device.
We may also use these Cookies to collect information when You interact with the Services We offer through Our partners, such as advertising and commerce features. Most web browsers are set to accept Cookies by default. You can choose to remove or reject browser Cookies through the settings on Your browser or device. Keep in mind, though, that removing or rejecting Cookies could affect the availability and functionality of Our Platform.
Like most providers of online services, Tern uses Cookies for a number of reasons, such as protecting Your data, helping Us see which features are most popular, counting Visitors to a page, improving Our Users’ experience, keeping Our Platform secure, and generally providing You with a better, more intuitive and satisfying experience. The Cookies We use generally fall into one of the following categories:
preferences: We use these Cookies to remember Your settings and preferences (For example: language);
security: We use these Cookies to help identify and prevent security risks (For example: to store Your session information to prevent others from changing Your password without Your username and password);
performance: We use these Cookies to collect information about how You interact with Our Platform and to help Us improve them (For example: to determine if You have interacted with a certain page);
analytics: We use these Cookies to help Us improve Our Platform (For example: to learn more about which features are the most popular with Our Users and which ones might need some tweaks); and
advertising: We use these Cookies to deliver advertisements, to make them more relevant and meaningful to consumers, and to track the efficiency of Our advertising campaigns on Our Platform.
3. Use of Personal Data
We use the information discussed above in a number of ways, including but not limited to:
(a) processing applications and transactions;
(b) accessing Our Platform and receiving Services;
(c) verifying Your identity (such as when You access Your account information);
(d) preventing fraud and enhancing the security of Your account or Our Platforms;
(e) responding to Your requests and communicating with You;
(f) managing Your preferences;
(g) informing You of different Services offerings;
(h) performing analytics concerning Your use of Our Platforms, including Your responses to Our emails and the pages and advertisements You view;
(i) providing You with tailored content and marketing messages;
(j) operating, evaluating, and improving Our business (including developing new products and services; improving existing Our software and Services; performing data analytics; and performing accounting, auditing, and other internal functions);
(k) sending You information about Our Platform, or promotional marketing communication;
(l) administering Your account, or to service Your account, or contacting You when necessary;
(m) complying with and enforcing applicable legal requirements, relevant industry standards, contractual obligations, and Our policies; and
(n) sharing limited payment updates to your landlord;
(o) for any other purposes that We may specifically disclose at the time You provide or We collect Your information.
We may also use data that We collect on an aggregate or anonymous basis (such that it does not identify any individual Customer) for various business purposes, where permissible under applicable laws and regulations.
If You no longer wish to receive any communications from Tern You can opt-out by following the instructions contained in the e-mails You receive or by contacting Us at support@ternrewards.com
4. Sharing of Your Information
We are committed to protecting Your privacy and will not disclose Your Personal Data to any third-party, unless required by law or as explicitly stated in this Privacy Policy, We will conduct thorough vetting of any third-party integrations to ensure compliance with Our stringent data protection standards We will not rent or sell or otherwise share Your information with any third parties outside Tern without Your consent, except as noted in this Privacy Policy.
Third parties with whom we may share your information:
a) With Our corporate entities. We may share information with entities within Tern’s family companies, including any holding company, group company, and subsidiary.
b) With third parties. We may share Your information (i) with service providers and partners; (ii) with third parties for legal reasons, (iii) with marketing companies. We may share information about You if We reasonably believe that disclosing the information is needed to: (1) comply with any valid legal process, governmental request, or applicable law, rule, or regulation; (2) investigate, remedy, or enforce potential violations of the Terms; (3) protect the rights, property, and safety of Us, Our Users, or others; or (4) detect and resolve any fraud or security concerns.
c) With the landlord. Tern may share only the following data with the landlord or their authorized representative:
Payment status updates (paid, failed, pending)
Summary logs of payment activity
External payment confirmations, if linked to rewards issuance
Aggregated, anonymized reports on tenant reward activity (if requested and permitted)
No personally identifiable tenant data (e.g., contact info or financial data) shall be shared unless legally required or explicitly consented to by the tenant.
d) With third parties as part of a merger or acquisition. If Tern gets involved in a merger, asset sale, financing, liquidation or bankruptcy, or acquisition of all or some portion of Our business to another company, We may share Your information with that company before and after the transaction closes.
All credit/debit cards details and personally identifiable information will not be stored, sold, shared, rented, or leased to any third parties. Tern follows the industry’s standards to protect Your details during and after transmission, but You should be aware that no method of electronic transmission or storage is 100% secure. Therefore, We cannot be held responsible for the unlikely circumstances where information is accessed without authorization. Tern is connected to a payment gateway as per the Terms posted on Our Platform.
Responding to legal requests and preventing harm:
We may access, preserve and share Your information in response to a legal request if We have a good faith belief that the law requires Us to do so. This may include responding to legal requests from jurisdictions outside Our place of incorporation where We have a good faith belief that the response is required by law in that jurisdiction, affects Users in that jurisdiction, and is consistent with internationally recognized standards. We may also access, preserve and share information when We have a good faith belief it is necessary to: detect, prevent and address fraud and other illegal activity; to protect Ourselves, You, and others, including as part of investigations; and to prevent death or imminent bodily harm. Information We receive about You may be accessed, processed, and retained for an extended period of time when it is the subject of a legal request or obligation, governmental investigation, or investigations concerning possible violations of Our Terms or policies, or otherwise to prevent harm.
5. Storage and Processing
To the fullest extent permitted by law, Your information collected through the Platform may be stored and processed in any country in which Tern and any related entities in Our group company maintain facilities.
We will retain Your information in accordance with Our internal records retention and management policies and procedures, including as necessary to provide You with the Platform or administer Your, Tern account, or as long as necessary to comply with Our legal obligations, resolve disputes, reserve Our legal rights, and enforce Our agreements.
We aim to collect only what We need, keep it up-to-date, and remove it when We no longer need it.
We take reasonable steps to ensure that the personal information We process is limited to what We require in connection with the purposes set out in this Privacy Policy, is accurate, and where necessary, kept up to date; and it is erased or rectified without delay if it is inaccurate. From time to time, We may ask You to confirm the accuracy of Your personal information.
To the fullest extent permitted by law, Tern, may transfer information that We collect about You, including Personal Data across Services and from Your country or jurisdiction to other countries or jurisdictions around the world.
We use commercially reasonable safeguards to help keep the information collected through the Platform secure and take reasonable steps (such as requesting a unique password to verify Your identity before granting You access to Your account). However, Tern cannot ensure the security of any information You transmit to Tern or guarantee that information on the Platform may not be accessed, disclosed, altered, or destroyed.
We will retain copies in a form that permits identification for as long as We deem necessary in connection with the purposes set out in this Privacy Policy unless applicable law requires a longer retention period. In particular, We will retain personal information for as long as it is needed to establish, exercise or defend any legal rights. For the avoidance of doubt, Tern will not store any information related to You beyond the purposes outlined in this Privacy Policy.
We kindly ask You to do Your part to help Us. You are responsible for maintaining the secrecy of Your unique password and account information, and for controlling access to emails between You and Tern, at all times.
6. Data Rights
As a data subject, You are entitled to exercise the following rights, at any time:
a) Right to be informed. To be informed about how Your Personal Data is collected and processed and, its purposes.
b) Right of Access. To obtain confirmation as to the existence of Your Personal Data being processed by Tern Platform, access and obtain a copy of such data.
c) Right of rectification. To request to update, modify and/or rectify Your Personal Data where it may be inaccurate or incomplete.
d) Right of Erasure. To obtain the erasure of Your Personal Data where You feel that the processing is unnecessary or otherwise unlawful, render Personal Data anonymous, block data whose processing is unlawful, or set limits to the processing provided Our legitimate interest to hold such information.
e) Right to object. You have the right to object to:
The processing of Your Personal Data, based on relevant grounds related to Your particular situation, which You believe must prevent Us from processing Your Personal Data for a given purpose.
The processing of Personal Data that is made for the purposes of sending advertising material, carrying out direct sales, market research, or commercial communication.
f) Right to restriction of the processing. Where You feel that the Personal Data processed is inaccurate, or that the processing is unnecessary or unlawful, as well as where You have objected to the processing.
g) Right to withdraw. Your consent to processing (for marketing and profiling), where Your consent serves as the legal basis for processing – this will not affect the lawfulness of the processing carried out prior to Your withdrawal.
h) Right of portability. You have the right to obtain a copy of the Personal Data You provided to Tern Platform.
Please note that most of the Personal Data You provide on the Platform can be changed at any time, by accessing, where applicable, Your User Profile.
7. Security Measures
We have implemented and will maintain appropriate technical and organizational measures, including robust security protocols such as encryption of sensitive data, utilization of secure servers, and regular security audits, to safeguard the Personal Data that We control from unauthorized or unlawful processing, accidental loss, destruction, damage, alteration, or disclosure. Our unwavering commitment is dedicated to ensuring the confidentiality, integrity, and accessibility of User data on Our Platform. Additionally, we will promptly notify You and any applicable supervisory authority of any data security breach in compliance with Our legal obligations.
All data shared with third-party integrations is rigorously restricted and encrypted to guarantee the highest level of security and User privacy.
You are solely responsible for maintaining the confidentiality of Your account details, including Your passwords. If You have any concerns about the security of Your account, You shall inform Us immediately. We reserve the right to deactivate or suspend Your account at any time, without notice, if We suspect any unauthorized use of Your account or a breach of Our Terms.
8. Mobile Push Notifications/Alerts
We may send push notifications or alerts to Your mobile device after getting Your consent to do so. You can deactivate these messages at any time by changing the notification settings on Your mobile device. You must withdraw from providing push notifications or alerts or using such features in addition to adjusting the notifications in Your mobile device if You do not want to receive these push notifications or alerts.
9. Your Opinion Matters to Us
If You’re not satisfied with the way We process Your Personal Data, and if You have any questions or concerns about this Policy or Our privacy practice, You shall contact Us directly at: support@ternrewards.com
10. Payments Details
In case of Services requiring payment, We request credit/debit card or other payment account information, which will be used solely for processing payments. Your purchase transaction data is stored only as long as is necessary to complete Your purchase transaction. Once that is complete, Your purchase transaction information is deleted. Where necessary for processing future payments, and subject to Your prior consent, Your financial information will be stored in encrypted form on secure servers of Our payment gateway service provider Paymob which is beholden to treating Your Personal Information per its Policy. All direct payment gateways adhere to the latest security standards managed by the PCI Security Standards Council, a joint effort of brands like Visa, MasterCard, American Express, and Discover. You can find more information on the privacy practices of Paymob here: https://paymob.ae/en/policy
11. Email Marketing
We offer electronic newsletters to which You may voluntarily subscribe at any time. We are committed to keeping Your e-mail address confidential and We will not disclose Your email address to any third parties except as allowed in the storage and processing or for the purposes of utilizing a third-party provider to send such emails. We will maintain the information sent via e-mail in accordance with applicable laws and regulations.
In compliance with the CAN-SPAM Act, all e-mails sent from Us will clearly state who the e-mail is from and provide clear information on how to contact the sender. You may choose to stop receiving Our newsletter or marketing emails by following the unsubscribe instructions included in these emails or by contacting Us. However, You will continue to receive essential transactional emails.
To stay informed, We strongly recommend You keep Your Email notifications activated. You can choose to stop being sent an email notification but please be aware that if You are expecting a response to a message You have sent, You will need to actively check Your account for messages.
12. Surveys
We care about Your opinion. We may request that You complete a survey to allow us to have a better understanding of Our Services and to improve them. If You choose to participate in any optional survey, We may collect demographic information about You, including age, marital status, ethnicity, profession, and income, and which could include Your sensitive information. We may also collect information about the way You use Our Services, and Your experiences with them. By participating in any survey, You consent to Our collection and use of the information You provide in accordance with this Privacy Policy.
13. Children Privacy
Tern does not knowingly collect or solicit any information from anyone under the age of eighteen (18) without parental supervision or knowingly allow such persons to register on the Platform. The Platform and its content are not directed at children under the age of eighteen (18) without parental supervision. Any person below the age of majority in their jurisdiction should get the express consent of their parents to the Terms or under the supervision of a legal guardian, prior to the use of the Platform.
14. Confidentiality and Security of Personal Data
Except as otherwise provided in this Privacy Policy, We will keep Your Personal Data private and will not share it with third parties, unless such disclosure is necessary to:
a) Comply with a court order or other legal process; or
b) Protect Our Rights or property.
Should You wish to retrieve Your Personal Data, please get in touch by emailing Us at support@ternrewards.com
15. Other Websites and Services
We are not responsible for the practices employed by any websites or services linked to or from Our Platform, including the information or content contained within them. Please remember that when You use a link to go from Our Platform to another website or service, Our Privacy Policy does not apply to those third-party websites or services. Your browsing and interaction on any third-party website or service, including those with a link on Our Platform, are subject to that third party's rules and policies. In addition, You agree that We are not responsible and do not have control over any third parties that You authorize to access Your Tern account. If You are using a third-party website or service and You allow them to access Your Tern account, You do so at Your own risk.
16. Limitation to Our Privacy Policy
Our Platform might contain links to other websites. We are not responsible for such websites’ privacy practices or content. Please understand that any information that is disclosed in those areas becomes subject to the privacy policies and practices of those sites. We have no control over its use and You should exercise caution when deciding to disclose Your Personal Data.
17. Account Closure
Your Personal Data will generally stop being available to anyone on Our Platform within: (a) twenty-four (24) hours if You choose to close Your Tern account; or (b) twelve (12) months of account closure. We usually delete closed account information, except as noted below.
If sufficiently required to comply with Our legal obligations (including law enforcement requests), comply with regulatory requirements, resolve disputes, maintain security, avoid fraud and abuse, enforce Our Terms, or meet Your request to 'unsubscribe' to further messages from Us, We will retain Your personal data even after You have closed Your account.
18. How to Contact Us
If You have any questions or comments about this Privacy Policy or the Platform, You may contact Us through support@ternrewards.com
Last Updated: August 8th, 2025
Welcome to Tern Rewards!
Your privacy is important to Us. This online privacy policy (“Privacy Policy”) together with the documents and policies incorporated and referenced in the Privacy Policy, including the Terms and Conditions (the “Terms”), shall constitute an agreement (“Agreement”) between You (“You”, “Your”, “Yourself”), and “Tern Rewards” along with its affiliates, successors, and assigns (“Tern”, “We”, “Us”, or Our”).
By visiting Our Website (the “Website”), and Our mobile application (the “App”), and any application and technology We make available and use Our Services (collectively the Website, the App, and Tern dashboard are referred to as the “Platform”) or any other Service offered on the Platform, whether as a Visitor, or User and by accessing Our Platform, You indicate that You accept this Policy and that You agree to abide by its terms. If You do not agree to this Policy, please do not access Our Platform. You should read this Agreement carefully before beginning to use the Platform.
As part of its commitment to privacy, Tern respects all rules and provisions stated in the UAE Data Protection Laws. We will also comply with any specific data laws and regulations in Your jurisdiction. Please let Us know if there are any such laws that We should be aware of and comply with. We reserve the right to modify Our Privacy Policy at any time to ensure that We remain in compliance with applicable laws and regulations.
We collect, share, use, and protect information when You visit Our application and website through the following URL https://ternrewards.com and through the Tern dashboard.
This Privacy Policy should be read in conjunction with the Terms. All undefined terms used in this Privacy Policy shall have the same meaning ascribed to them in the Terms unless expressly otherwise provided for.
It is Your responsibility to check Our Privacy Policy periodically for changes. We reserve the right to revise this Privacy Policy at any time and without prior notice. Any alterations will be conveyed to Users through email notifications or Platform announcements and will be effective immediately upon posting the revised Privacy Policy on Our Website, with the updated date displayed at the top. Your continued use of Our Services after any changes to this Privacy Policy signifies Your acceptance of the updated terms. We recommend that You periodically review this Privacy Policy to stay informed about Our data-handling practices.
1. Type of Personal Data We Collect
When You visit Our Platform, We may collect personal information from or about You. In particular, We collect information that You provide when You:
(a) fill in any forms, including contact forms, registration forms, order forms, or payment forms;
(b) register to use the Platform, including the Personal Data (as defined below);
(c) open an account or use any of Our Platform, including information about Your device, location, and usage data;
(d) speak with a member of Our customer support team (either on the phone or through the Platforms) including call recordings and transcripts;
(e) contact Us for any other reason including correspondence and feedback.
We may collect Your personal information that You have left with Us by visiting Our Platform, or by subscribing to Our Platform or attending an event or any other medium linked to Us, and any details relating to when and where You request Our Services, including Your geographical location, as well as details of the device on which any of Our Platforms, which may include Your operating system and versions, unique device identifiers, serial numbers, mobile network, and Wi-Fi information (the “Personal Data”). The User’s Personal Data may include but is not limited to, the following:
Identity Data: includes name, nickname, age, gender, nationality, marital status, language, education and job.
Contact Data: includes country of residence, address, email address and telephone numbers.
Financial Data: includes bank account and payment card details (collected by our Payment Service Provider under UAE Central Bank regulation).
Transaction Data: includes details of services you have purchased from us.
Rent Data: includes the information related to your rent of the Tenancy Agreement, including without limitation, the lease ID, rent amount, and due dates for the payments;
Technical Data: includes internet protocol (IP) address, your login data, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and Site, and other technology on the devices you use to access the Site.
Account Registration Data: includes certain information in connection with the account registration process such as whether You registered using any Third Party Services and whether You verified Your email address or phone number.
Usage Data: includes information about how You use Our Site.
Login Data: includes information regarding logins and activity conducted during that log in such as when You log in, the number of messages received or sent through the Site during that log in, and whether you have been assigned, started or completed a counseling goal. This does not include the content of any messages sent or received by you or the content of any counseling goals.
Marketing and Communications Data includes your preferences in receiving marketing from us and our third parties and your communication preferences
As part of Our commitment to transparency, Tern keeps records of all Service history with regard to completed Services, canceled Services, active Services, and upcoming scheduled Services.
Moreover, in order to improve Your online experience at Tern, We have implemented impression reporting. While You view Our Platform and navigate Our Website We gather Global Unique Identifier (“GUI”), HTTP request data like user agent, IP, host, URL, country/continent from which the request is made, browser info, device/operating system/operating system version.
2. Cookies and Similar Technologies
A browser cookie (the “Cookies”) is a small piece of data that is stored on Your device to help websites remember things about You. Other technologies, including web storage and identifiers associated with Your device, may be used for similar purposes. In this Privacy Policy, We use Cookies to refer to all of these technologies.
Like most online services and websites, We may use Cookies and other technologies, such as web beacons, web storage, and unique advertising identifiers, to collect information about Your activity, browser, and device.
We may also use these Cookies to collect information when You interact with the Services We offer through Our partners, such as advertising and commerce features. Most web browsers are set to accept Cookies by default. You can choose to remove or reject browser Cookies through the settings on Your browser or device. Keep in mind, though, that removing or rejecting Cookies could affect the availability and functionality of Our Platform.
Like most providers of online services, Tern uses Cookies for a number of reasons, such as protecting Your data, helping Us see which features are most popular, counting Visitors to a page, improving Our Users’ experience, keeping Our Platform secure, and generally providing You with a better, more intuitive and satisfying experience. The Cookies We use generally fall into one of the following categories:
preferences: We use these Cookies to remember Your settings and preferences (For example: language);
security: We use these Cookies to help identify and prevent security risks (For example: to store Your session information to prevent others from changing Your password without Your username and password);
performance: We use these Cookies to collect information about how You interact with Our Platform and to help Us improve them (For example: to determine if You have interacted with a certain page);
analytics: We use these Cookies to help Us improve Our Platform (For example: to learn more about which features are the most popular with Our Users and which ones might need some tweaks); and
advertising: We use these Cookies to deliver advertisements, to make them more relevant and meaningful to consumers, and to track the efficiency of Our advertising campaigns on Our Platform.
3. Use of Personal Data
We use the information discussed above in a number of ways, including but not limited to:
(a) processing applications and transactions;
(b) accessing Our Platform and receiving Services;
(c) verifying Your identity (such as when You access Your account information);
(d) preventing fraud and enhancing the security of Your account or Our Platforms;
(e) responding to Your requests and communicating with You;
(f) managing Your preferences;
(g) informing You of different Services offerings;
(h) performing analytics concerning Your use of Our Platforms, including Your responses to Our emails and the pages and advertisements You view;
(i) providing You with tailored content and marketing messages;
(j) operating, evaluating, and improving Our business (including developing new products and services; improving existing Our software and Services; performing data analytics; and performing accounting, auditing, and other internal functions);
(k) sending You information about Our Platform, or promotional marketing communication;
(l) administering Your account, or to service Your account, or contacting You when necessary;
(m) complying with and enforcing applicable legal requirements, relevant industry standards, contractual obligations, and Our policies; and
(n) sharing limited payment updates to your landlord;
(o) for any other purposes that We may specifically disclose at the time You provide or We collect Your information.
We may also use data that We collect on an aggregate or anonymous basis (such that it does not identify any individual Customer) for various business purposes, where permissible under applicable laws and regulations.
If You no longer wish to receive any communications from Tern You can opt-out by following the instructions contained in the e-mails You receive or by contacting Us at support@ternrewards.com
4. Sharing of Your Information
We are committed to protecting Your privacy and will not disclose Your Personal Data to any third-party, unless required by law or as explicitly stated in this Privacy Policy, We will conduct thorough vetting of any third-party integrations to ensure compliance with Our stringent data protection standards We will not rent or sell or otherwise share Your information with any third parties outside Tern without Your consent, except as noted in this Privacy Policy.
Third parties with whom we may share your information:
a) With Our corporate entities. We may share information with entities within Tern’s family companies, including any holding company, group company, and subsidiary.
b) With third parties. We may share Your information (i) with service providers and partners; (ii) with third parties for legal reasons, (iii) with marketing companies. We may share information about You if We reasonably believe that disclosing the information is needed to: (1) comply with any valid legal process, governmental request, or applicable law, rule, or regulation; (2) investigate, remedy, or enforce potential violations of the Terms; (3) protect the rights, property, and safety of Us, Our Users, or others; or (4) detect and resolve any fraud or security concerns.
c) With the landlord. Tern may share only the following data with the landlord or their authorized representative:
Payment status updates (paid, failed, pending)
Summary logs of payment activity
External payment confirmations, if linked to rewards issuance
Aggregated, anonymized reports on tenant reward activity (if requested and permitted)
No personally identifiable tenant data (e.g., contact info or financial data) shall be shared unless legally required or explicitly consented to by the tenant.
d) With third parties as part of a merger or acquisition. If Tern gets involved in a merger, asset sale, financing, liquidation or bankruptcy, or acquisition of all or some portion of Our business to another company, We may share Your information with that company before and after the transaction closes.
All credit/debit cards details and personally identifiable information will not be stored, sold, shared, rented, or leased to any third parties. Tern follows the industry’s standards to protect Your details during and after transmission, but You should be aware that no method of electronic transmission or storage is 100% secure. Therefore, We cannot be held responsible for the unlikely circumstances where information is accessed without authorization. Tern is connected to a payment gateway as per the Terms posted on Our Platform.
Responding to legal requests and preventing harm:
We may access, preserve and share Your information in response to a legal request if We have a good faith belief that the law requires Us to do so. This may include responding to legal requests from jurisdictions outside Our place of incorporation where We have a good faith belief that the response is required by law in that jurisdiction, affects Users in that jurisdiction, and is consistent with internationally recognized standards. We may also access, preserve and share information when We have a good faith belief it is necessary to: detect, prevent and address fraud and other illegal activity; to protect Ourselves, You, and others, including as part of investigations; and to prevent death or imminent bodily harm. Information We receive about You may be accessed, processed, and retained for an extended period of time when it is the subject of a legal request or obligation, governmental investigation, or investigations concerning possible violations of Our Terms or policies, or otherwise to prevent harm.
5. Storage and Processing
To the fullest extent permitted by law, Your information collected through the Platform may be stored and processed in any country in which Tern and any related entities in Our group company maintain facilities.
We will retain Your information in accordance with Our internal records retention and management policies and procedures, including as necessary to provide You with the Platform or administer Your, Tern account, or as long as necessary to comply with Our legal obligations, resolve disputes, reserve Our legal rights, and enforce Our agreements.
We aim to collect only what We need, keep it up-to-date, and remove it when We no longer need it.
We take reasonable steps to ensure that the personal information We process is limited to what We require in connection with the purposes set out in this Privacy Policy, is accurate, and where necessary, kept up to date; and it is erased or rectified without delay if it is inaccurate. From time to time, We may ask You to confirm the accuracy of Your personal information.
To the fullest extent permitted by law, Tern, may transfer information that We collect about You, including Personal Data across Services and from Your country or jurisdiction to other countries or jurisdictions around the world.
We use commercially reasonable safeguards to help keep the information collected through the Platform secure and take reasonable steps (such as requesting a unique password to verify Your identity before granting You access to Your account). However, Tern cannot ensure the security of any information You transmit to Tern or guarantee that information on the Platform may not be accessed, disclosed, altered, or destroyed.
We will retain copies in a form that permits identification for as long as We deem necessary in connection with the purposes set out in this Privacy Policy unless applicable law requires a longer retention period. In particular, We will retain personal information for as long as it is needed to establish, exercise or defend any legal rights. For the avoidance of doubt, Tern will not store any information related to You beyond the purposes outlined in this Privacy Policy.
We kindly ask You to do Your part to help Us. You are responsible for maintaining the secrecy of Your unique password and account information, and for controlling access to emails between You and Tern, at all times.
6. Data Rights
As a data subject, You are entitled to exercise the following rights, at any time:
a) Right to be informed. To be informed about how Your Personal Data is collected and processed and, its purposes.
b) Right of Access. To obtain confirmation as to the existence of Your Personal Data being processed by Tern Platform, access and obtain a copy of such data.
c) Right of rectification. To request to update, modify and/or rectify Your Personal Data where it may be inaccurate or incomplete.
d) Right of Erasure. To obtain the erasure of Your Personal Data where You feel that the processing is unnecessary or otherwise unlawful, render Personal Data anonymous, block data whose processing is unlawful, or set limits to the processing provided Our legitimate interest to hold such information.
e) Right to object. You have the right to object to:
The processing of Your Personal Data, based on relevant grounds related to Your particular situation, which You believe must prevent Us from processing Your Personal Data for a given purpose.
The processing of Personal Data that is made for the purposes of sending advertising material, carrying out direct sales, market research, or commercial communication.
f) Right to restriction of the processing. Where You feel that the Personal Data processed is inaccurate, or that the processing is unnecessary or unlawful, as well as where You have objected to the processing.
g) Right to withdraw. Your consent to processing (for marketing and profiling), where Your consent serves as the legal basis for processing – this will not affect the lawfulness of the processing carried out prior to Your withdrawal.
h) Right of portability. You have the right to obtain a copy of the Personal Data You provided to Tern Platform.
Please note that most of the Personal Data You provide on the Platform can be changed at any time, by accessing, where applicable, Your User Profile.
7. Security Measures
We have implemented and will maintain appropriate technical and organizational measures, including robust security protocols such as encryption of sensitive data, utilization of secure servers, and regular security audits, to safeguard the Personal Data that We control from unauthorized or unlawful processing, accidental loss, destruction, damage, alteration, or disclosure. Our unwavering commitment is dedicated to ensuring the confidentiality, integrity, and accessibility of User data on Our Platform. Additionally, we will promptly notify You and any applicable supervisory authority of any data security breach in compliance with Our legal obligations.
All data shared with third-party integrations is rigorously restricted and encrypted to guarantee the highest level of security and User privacy.
You are solely responsible for maintaining the confidentiality of Your account details, including Your passwords. If You have any concerns about the security of Your account, You shall inform Us immediately. We reserve the right to deactivate or suspend Your account at any time, without notice, if We suspect any unauthorized use of Your account or a breach of Our Terms.
8. Mobile Push Notifications/Alerts
We may send push notifications or alerts to Your mobile device after getting Your consent to do so. You can deactivate these messages at any time by changing the notification settings on Your mobile device. You must withdraw from providing push notifications or alerts or using such features in addition to adjusting the notifications in Your mobile device if You do not want to receive these push notifications or alerts.
9. Your Opinion Matters to Us
If You’re not satisfied with the way We process Your Personal Data, and if You have any questions or concerns about this Policy or Our privacy practice, You shall contact Us directly at: support@ternrewards.com
10. Payments Details
In case of Services requiring payment, We request credit/debit card or other payment account information, which will be used solely for processing payments. Your purchase transaction data is stored only as long as is necessary to complete Your purchase transaction. Once that is complete, Your purchase transaction information is deleted. Where necessary for processing future payments, and subject to Your prior consent, Your financial information will be stored in encrypted form on secure servers of Our payment gateway service provider Paymob which is beholden to treating Your Personal Information per its Policy. All direct payment gateways adhere to the latest security standards managed by the PCI Security Standards Council, a joint effort of brands like Visa, MasterCard, American Express, and Discover. You can find more information on the privacy practices of Paymob here: https://paymob.ae/en/policy
11. Email Marketing
We offer electronic newsletters to which You may voluntarily subscribe at any time. We are committed to keeping Your e-mail address confidential and We will not disclose Your email address to any third parties except as allowed in the storage and processing or for the purposes of utilizing a third-party provider to send such emails. We will maintain the information sent via e-mail in accordance with applicable laws and regulations.
In compliance with the CAN-SPAM Act, all e-mails sent from Us will clearly state who the e-mail is from and provide clear information on how to contact the sender. You may choose to stop receiving Our newsletter or marketing emails by following the unsubscribe instructions included in these emails or by contacting Us. However, You will continue to receive essential transactional emails.
To stay informed, We strongly recommend You keep Your Email notifications activated. You can choose to stop being sent an email notification but please be aware that if You are expecting a response to a message You have sent, You will need to actively check Your account for messages.
12. Surveys
We care about Your opinion. We may request that You complete a survey to allow us to have a better understanding of Our Services and to improve them. If You choose to participate in any optional survey, We may collect demographic information about You, including age, marital status, ethnicity, profession, and income, and which could include Your sensitive information. We may also collect information about the way You use Our Services, and Your experiences with them. By participating in any survey, You consent to Our collection and use of the information You provide in accordance with this Privacy Policy.
13. Children Privacy
Tern does not knowingly collect or solicit any information from anyone under the age of eighteen (18) without parental supervision or knowingly allow such persons to register on the Platform. The Platform and its content are not directed at children under the age of eighteen (18) without parental supervision. Any person below the age of majority in their jurisdiction should get the express consent of their parents to the Terms or under the supervision of a legal guardian, prior to the use of the Platform.
14. Confidentiality and Security of Personal Data
Except as otherwise provided in this Privacy Policy, We will keep Your Personal Data private and will not share it with third parties, unless such disclosure is necessary to:
a) Comply with a court order or other legal process; or
b) Protect Our Rights or property.
Should You wish to retrieve Your Personal Data, please get in touch by emailing Us at support@ternrewards.com
15. Other Websites and Services
We are not responsible for the practices employed by any websites or services linked to or from Our Platform, including the information or content contained within them. Please remember that when You use a link to go from Our Platform to another website or service, Our Privacy Policy does not apply to those third-party websites or services. Your browsing and interaction on any third-party website or service, including those with a link on Our Platform, are subject to that third party's rules and policies. In addition, You agree that We are not responsible and do not have control over any third parties that You authorize to access Your Tern account. If You are using a third-party website or service and You allow them to access Your Tern account, You do so at Your own risk.
16. Limitation to Our Privacy Policy
Our Platform might contain links to other websites. We are not responsible for such websites’ privacy practices or content. Please understand that any information that is disclosed in those areas becomes subject to the privacy policies and practices of those sites. We have no control over its use and You should exercise caution when deciding to disclose Your Personal Data.
17. Account Closure
Your Personal Data will generally stop being available to anyone on Our Platform within: (a) twenty-four (24) hours if You choose to close Your Tern account; or (b) twelve (12) months of account closure. We usually delete closed account information, except as noted below.
If sufficiently required to comply with Our legal obligations (including law enforcement requests), comply with regulatory requirements, resolve disputes, maintain security, avoid fraud and abuse, enforce Our Terms, or meet Your request to 'unsubscribe' to further messages from Us, We will retain Your personal data even after You have closed Your account.
18. How to Contact Us
If You have any questions or comments about this Privacy Policy or the Platform, You may contact Us through support@ternrewards.com
Last Updated: August 8th, 2025
Welcome to Tern Rewards!
Your privacy is important to Us. This online privacy policy (“Privacy Policy”) together with the documents and policies incorporated and referenced in the Privacy Policy, including the Terms and Conditions (the “Terms”), shall constitute an agreement (“Agreement”) between You (“You”, “Your”, “Yourself”), and “Tern Rewards” along with its affiliates, successors, and assigns (“Tern”, “We”, “Us”, or Our”).
By visiting Our Website (the “Website”), and Our mobile application (the “App”), and any application and technology We make available and use Our Services (collectively the Website, the App, and Tern dashboard are referred to as the “Platform”) or any other Service offered on the Platform, whether as a Visitor, or User and by accessing Our Platform, You indicate that You accept this Policy and that You agree to abide by its terms. If You do not agree to this Policy, please do not access Our Platform. You should read this Agreement carefully before beginning to use the Platform.
As part of its commitment to privacy, Tern respects all rules and provisions stated in the UAE Data Protection Laws. We will also comply with any specific data laws and regulations in Your jurisdiction. Please let Us know if there are any such laws that We should be aware of and comply with. We reserve the right to modify Our Privacy Policy at any time to ensure that We remain in compliance with applicable laws and regulations.
We collect, share, use, and protect information when You visit Our application and website through the following URL https://ternrewards.com and through the Tern dashboard.
This Privacy Policy should be read in conjunction with the Terms. All undefined terms used in this Privacy Policy shall have the same meaning ascribed to them in the Terms unless expressly otherwise provided for.
It is Your responsibility to check Our Privacy Policy periodically for changes. We reserve the right to revise this Privacy Policy at any time and without prior notice. Any alterations will be conveyed to Users through email notifications or Platform announcements and will be effective immediately upon posting the revised Privacy Policy on Our Website, with the updated date displayed at the top. Your continued use of Our Services after any changes to this Privacy Policy signifies Your acceptance of the updated terms. We recommend that You periodically review this Privacy Policy to stay informed about Our data-handling practices.
1. Type of Personal Data We Collect
When You visit Our Platform, We may collect personal information from or about You. In particular, We collect information that You provide when You:
(a) fill in any forms, including contact forms, registration forms, order forms, or payment forms;
(b) register to use the Platform, including the Personal Data (as defined below);
(c) open an account or use any of Our Platform, including information about Your device, location, and usage data;
(d) speak with a member of Our customer support team (either on the phone or through the Platforms) including call recordings and transcripts;
(e) contact Us for any other reason including correspondence and feedback.
We may collect Your personal information that You have left with Us by visiting Our Platform, or by subscribing to Our Platform or attending an event or any other medium linked to Us, and any details relating to when and where You request Our Services, including Your geographical location, as well as details of the device on which any of Our Platforms, which may include Your operating system and versions, unique device identifiers, serial numbers, mobile network, and Wi-Fi information (the “Personal Data”). The User’s Personal Data may include but is not limited to, the following:
Identity Data: includes name, nickname, age, gender, nationality, marital status, language, education and job.
Contact Data: includes country of residence, address, email address and telephone numbers.
Financial Data: includes bank account and payment card details (collected by our Payment Service Provider under UAE Central Bank regulation).
Transaction Data: includes details of services you have purchased from us.
Rent Data: includes the information related to your rent of the Tenancy Agreement, including without limitation, the lease ID, rent amount, and due dates for the payments;
Technical Data: includes internet protocol (IP) address, your login data, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and Site, and other technology on the devices you use to access the Site.
Account Registration Data: includes certain information in connection with the account registration process such as whether You registered using any Third Party Services and whether You verified Your email address or phone number.
Usage Data: includes information about how You use Our Site.
Login Data: includes information regarding logins and activity conducted during that log in such as when You log in, the number of messages received or sent through the Site during that log in, and whether you have been assigned, started or completed a counseling goal. This does not include the content of any messages sent or received by you or the content of any counseling goals.
Marketing and Communications Data includes your preferences in receiving marketing from us and our third parties and your communication preferences
As part of Our commitment to transparency, Tern keeps records of all Service history with regard to completed Services, canceled Services, active Services, and upcoming scheduled Services.
Moreover, in order to improve Your online experience at Tern, We have implemented impression reporting. While You view Our Platform and navigate Our Website We gather Global Unique Identifier (“GUI”), HTTP request data like user agent, IP, host, URL, country/continent from which the request is made, browser info, device/operating system/operating system version.
2. Cookies and Similar Technologies
A browser cookie (the “Cookies”) is a small piece of data that is stored on Your device to help websites remember things about You. Other technologies, including web storage and identifiers associated with Your device, may be used for similar purposes. In this Privacy Policy, We use Cookies to refer to all of these technologies.
Like most online services and websites, We may use Cookies and other technologies, such as web beacons, web storage, and unique advertising identifiers, to collect information about Your activity, browser, and device.
We may also use these Cookies to collect information when You interact with the Services We offer through Our partners, such as advertising and commerce features. Most web browsers are set to accept Cookies by default. You can choose to remove or reject browser Cookies through the settings on Your browser or device. Keep in mind, though, that removing or rejecting Cookies could affect the availability and functionality of Our Platform.
Like most providers of online services, Tern uses Cookies for a number of reasons, such as protecting Your data, helping Us see which features are most popular, counting Visitors to a page, improving Our Users’ experience, keeping Our Platform secure, and generally providing You with a better, more intuitive and satisfying experience. The Cookies We use generally fall into one of the following categories:
preferences: We use these Cookies to remember Your settings and preferences (For example: language);
security: We use these Cookies to help identify and prevent security risks (For example: to store Your session information to prevent others from changing Your password without Your username and password);
performance: We use these Cookies to collect information about how You interact with Our Platform and to help Us improve them (For example: to determine if You have interacted with a certain page);
analytics: We use these Cookies to help Us improve Our Platform (For example: to learn more about which features are the most popular with Our Users and which ones might need some tweaks); and
advertising: We use these Cookies to deliver advertisements, to make them more relevant and meaningful to consumers, and to track the efficiency of Our advertising campaigns on Our Platform.
3. Use of Personal Data
We use the information discussed above in a number of ways, including but not limited to:
(a) processing applications and transactions;
(b) accessing Our Platform and receiving Services;
(c) verifying Your identity (such as when You access Your account information);
(d) preventing fraud and enhancing the security of Your account or Our Platforms;
(e) responding to Your requests and communicating with You;
(f) managing Your preferences;
(g) informing You of different Services offerings;
(h) performing analytics concerning Your use of Our Platforms, including Your responses to Our emails and the pages and advertisements You view;
(i) providing You with tailored content and marketing messages;
(j) operating, evaluating, and improving Our business (including developing new products and services; improving existing Our software and Services; performing data analytics; and performing accounting, auditing, and other internal functions);
(k) sending You information about Our Platform, or promotional marketing communication;
(l) administering Your account, or to service Your account, or contacting You when necessary;
(m) complying with and enforcing applicable legal requirements, relevant industry standards, contractual obligations, and Our policies; and
(n) sharing limited payment updates to your landlord;
(o) for any other purposes that We may specifically disclose at the time You provide or We collect Your information.
We may also use data that We collect on an aggregate or anonymous basis (such that it does not identify any individual Customer) for various business purposes, where permissible under applicable laws and regulations.
If You no longer wish to receive any communications from Tern You can opt-out by following the instructions contained in the e-mails You receive or by contacting Us at support@ternrewards.com
4. Sharing of Your Information
We are committed to protecting Your privacy and will not disclose Your Personal Data to any third-party, unless required by law or as explicitly stated in this Privacy Policy, We will conduct thorough vetting of any third-party integrations to ensure compliance with Our stringent data protection standards We will not rent or sell or otherwise share Your information with any third parties outside Tern without Your consent, except as noted in this Privacy Policy.
Third parties with whom we may share your information:
a) With Our corporate entities. We may share information with entities within Tern’s family companies, including any holding company, group company, and subsidiary.
b) With third parties. We may share Your information (i) with service providers and partners; (ii) with third parties for legal reasons, (iii) with marketing companies. We may share information about You if We reasonably believe that disclosing the information is needed to: (1) comply with any valid legal process, governmental request, or applicable law, rule, or regulation; (2) investigate, remedy, or enforce potential violations of the Terms; (3) protect the rights, property, and safety of Us, Our Users, or others; or (4) detect and resolve any fraud or security concerns.
c) With the landlord. Tern may share only the following data with the landlord or their authorized representative:
Payment status updates (paid, failed, pending)
Summary logs of payment activity
External payment confirmations, if linked to rewards issuance
Aggregated, anonymized reports on tenant reward activity (if requested and permitted)
No personally identifiable tenant data (e.g., contact info or financial data) shall be shared unless legally required or explicitly consented to by the tenant.
d) With third parties as part of a merger or acquisition. If Tern gets involved in a merger, asset sale, financing, liquidation or bankruptcy, or acquisition of all or some portion of Our business to another company, We may share Your information with that company before and after the transaction closes.
All credit/debit cards details and personally identifiable information will not be stored, sold, shared, rented, or leased to any third parties. Tern follows the industry’s standards to protect Your details during and after transmission, but You should be aware that no method of electronic transmission or storage is 100% secure. Therefore, We cannot be held responsible for the unlikely circumstances where information is accessed without authorization. Tern is connected to a payment gateway as per the Terms posted on Our Platform.
Responding to legal requests and preventing harm:
We may access, preserve and share Your information in response to a legal request if We have a good faith belief that the law requires Us to do so. This may include responding to legal requests from jurisdictions outside Our place of incorporation where We have a good faith belief that the response is required by law in that jurisdiction, affects Users in that jurisdiction, and is consistent with internationally recognized standards. We may also access, preserve and share information when We have a good faith belief it is necessary to: detect, prevent and address fraud and other illegal activity; to protect Ourselves, You, and others, including as part of investigations; and to prevent death or imminent bodily harm. Information We receive about You may be accessed, processed, and retained for an extended period of time when it is the subject of a legal request or obligation, governmental investigation, or investigations concerning possible violations of Our Terms or policies, or otherwise to prevent harm.
5. Storage and Processing
To the fullest extent permitted by law, Your information collected through the Platform may be stored and processed in any country in which Tern and any related entities in Our group company maintain facilities.
We will retain Your information in accordance with Our internal records retention and management policies and procedures, including as necessary to provide You with the Platform or administer Your, Tern account, or as long as necessary to comply with Our legal obligations, resolve disputes, reserve Our legal rights, and enforce Our agreements.
We aim to collect only what We need, keep it up-to-date, and remove it when We no longer need it.
We take reasonable steps to ensure that the personal information We process is limited to what We require in connection with the purposes set out in this Privacy Policy, is accurate, and where necessary, kept up to date; and it is erased or rectified without delay if it is inaccurate. From time to time, We may ask You to confirm the accuracy of Your personal information.
To the fullest extent permitted by law, Tern, may transfer information that We collect about You, including Personal Data across Services and from Your country or jurisdiction to other countries or jurisdictions around the world.
We use commercially reasonable safeguards to help keep the information collected through the Platform secure and take reasonable steps (such as requesting a unique password to verify Your identity before granting You access to Your account). However, Tern cannot ensure the security of any information You transmit to Tern or guarantee that information on the Platform may not be accessed, disclosed, altered, or destroyed.
We will retain copies in a form that permits identification for as long as We deem necessary in connection with the purposes set out in this Privacy Policy unless applicable law requires a longer retention period. In particular, We will retain personal information for as long as it is needed to establish, exercise or defend any legal rights. For the avoidance of doubt, Tern will not store any information related to You beyond the purposes outlined in this Privacy Policy.
We kindly ask You to do Your part to help Us. You are responsible for maintaining the secrecy of Your unique password and account information, and for controlling access to emails between You and Tern, at all times.
6. Data Rights
As a data subject, You are entitled to exercise the following rights, at any time:
a) Right to be informed. To be informed about how Your Personal Data is collected and processed and, its purposes.
b) Right of Access. To obtain confirmation as to the existence of Your Personal Data being processed by Tern Platform, access and obtain a copy of such data.
c) Right of rectification. To request to update, modify and/or rectify Your Personal Data where it may be inaccurate or incomplete.
d) Right of Erasure. To obtain the erasure of Your Personal Data where You feel that the processing is unnecessary or otherwise unlawful, render Personal Data anonymous, block data whose processing is unlawful, or set limits to the processing provided Our legitimate interest to hold such information.
e) Right to object. You have the right to object to:
The processing of Your Personal Data, based on relevant grounds related to Your particular situation, which You believe must prevent Us from processing Your Personal Data for a given purpose.
The processing of Personal Data that is made for the purposes of sending advertising material, carrying out direct sales, market research, or commercial communication.
f) Right to restriction of the processing. Where You feel that the Personal Data processed is inaccurate, or that the processing is unnecessary or unlawful, as well as where You have objected to the processing.
g) Right to withdraw. Your consent to processing (for marketing and profiling), where Your consent serves as the legal basis for processing – this will not affect the lawfulness of the processing carried out prior to Your withdrawal.
h) Right of portability. You have the right to obtain a copy of the Personal Data You provided to Tern Platform.
Please note that most of the Personal Data You provide on the Platform can be changed at any time, by accessing, where applicable, Your User Profile.
7. Security Measures
We have implemented and will maintain appropriate technical and organizational measures, including robust security protocols such as encryption of sensitive data, utilization of secure servers, and regular security audits, to safeguard the Personal Data that We control from unauthorized or unlawful processing, accidental loss, destruction, damage, alteration, or disclosure. Our unwavering commitment is dedicated to ensuring the confidentiality, integrity, and accessibility of User data on Our Platform. Additionally, we will promptly notify You and any applicable supervisory authority of any data security breach in compliance with Our legal obligations.
All data shared with third-party integrations is rigorously restricted and encrypted to guarantee the highest level of security and User privacy.
You are solely responsible for maintaining the confidentiality of Your account details, including Your passwords. If You have any concerns about the security of Your account, You shall inform Us immediately. We reserve the right to deactivate or suspend Your account at any time, without notice, if We suspect any unauthorized use of Your account or a breach of Our Terms.
8. Mobile Push Notifications/Alerts
We may send push notifications or alerts to Your mobile device after getting Your consent to do so. You can deactivate these messages at any time by changing the notification settings on Your mobile device. You must withdraw from providing push notifications or alerts or using such features in addition to adjusting the notifications in Your mobile device if You do not want to receive these push notifications or alerts.
9. Your Opinion Matters to Us
If You’re not satisfied with the way We process Your Personal Data, and if You have any questions or concerns about this Policy or Our privacy practice, You shall contact Us directly at: support@ternrewards.com
10. Payments Details
In case of Services requiring payment, We request credit/debit card or other payment account information, which will be used solely for processing payments. Your purchase transaction data is stored only as long as is necessary to complete Your purchase transaction. Once that is complete, Your purchase transaction information is deleted. Where necessary for processing future payments, and subject to Your prior consent, Your financial information will be stored in encrypted form on secure servers of Our payment gateway service provider Paymob which is beholden to treating Your Personal Information per its Policy. All direct payment gateways adhere to the latest security standards managed by the PCI Security Standards Council, a joint effort of brands like Visa, MasterCard, American Express, and Discover. You can find more information on the privacy practices of Paymob here: https://paymob.ae/en/policy
11. Email Marketing
We offer electronic newsletters to which You may voluntarily subscribe at any time. We are committed to keeping Your e-mail address confidential and We will not disclose Your email address to any third parties except as allowed in the storage and processing or for the purposes of utilizing a third-party provider to send such emails. We will maintain the information sent via e-mail in accordance with applicable laws and regulations.
In compliance with the CAN-SPAM Act, all e-mails sent from Us will clearly state who the e-mail is from and provide clear information on how to contact the sender. You may choose to stop receiving Our newsletter or marketing emails by following the unsubscribe instructions included in these emails or by contacting Us. However, You will continue to receive essential transactional emails.
To stay informed, We strongly recommend You keep Your Email notifications activated. You can choose to stop being sent an email notification but please be aware that if You are expecting a response to a message You have sent, You will need to actively check Your account for messages.
12. Surveys
We care about Your opinion. We may request that You complete a survey to allow us to have a better understanding of Our Services and to improve them. If You choose to participate in any optional survey, We may collect demographic information about You, including age, marital status, ethnicity, profession, and income, and which could include Your sensitive information. We may also collect information about the way You use Our Services, and Your experiences with them. By participating in any survey, You consent to Our collection and use of the information You provide in accordance with this Privacy Policy.
13. Children Privacy
Tern does not knowingly collect or solicit any information from anyone under the age of eighteen (18) without parental supervision or knowingly allow such persons to register on the Platform. The Platform and its content are not directed at children under the age of eighteen (18) without parental supervision. Any person below the age of majority in their jurisdiction should get the express consent of their parents to the Terms or under the supervision of a legal guardian, prior to the use of the Platform.
14. Confidentiality and Security of Personal Data
Except as otherwise provided in this Privacy Policy, We will keep Your Personal Data private and will not share it with third parties, unless such disclosure is necessary to:
a) Comply with a court order or other legal process; or
b) Protect Our Rights or property.
Should You wish to retrieve Your Personal Data, please get in touch by emailing Us at support@ternrewards.com
15. Other Websites and Services
We are not responsible for the practices employed by any websites or services linked to or from Our Platform, including the information or content contained within them. Please remember that when You use a link to go from Our Platform to another website or service, Our Privacy Policy does not apply to those third-party websites or services. Your browsing and interaction on any third-party website or service, including those with a link on Our Platform, are subject to that third party's rules and policies. In addition, You agree that We are not responsible and do not have control over any third parties that You authorize to access Your Tern account. If You are using a third-party website or service and You allow them to access Your Tern account, You do so at Your own risk.
16. Limitation to Our Privacy Policy
Our Platform might contain links to other websites. We are not responsible for such websites’ privacy practices or content. Please understand that any information that is disclosed in those areas becomes subject to the privacy policies and practices of those sites. We have no control over its use and You should exercise caution when deciding to disclose Your Personal Data.
17. Account Closure
Your Personal Data will generally stop being available to anyone on Our Platform within: (a) twenty-four (24) hours if You choose to close Your Tern account; or (b) twelve (12) months of account closure. We usually delete closed account information, except as noted below.
If sufficiently required to comply with Our legal obligations (including law enforcement requests), comply with regulatory requirements, resolve disputes, maintain security, avoid fraud and abuse, enforce Our Terms, or meet Your request to 'unsubscribe' to further messages from Us, We will retain Your personal data even after You have closed Your account.
18. How to Contact Us
If You have any questions or comments about this Privacy Policy or the Platform, You may contact Us through support@ternrewards.com
Last Updated: August 8th, 2025
Welcome to Tern Rewards!
Your privacy is important to Us. This online privacy policy (“Privacy Policy”) together with the documents and policies incorporated and referenced in the Privacy Policy, including the Terms and Conditions (the “Terms”), shall constitute an agreement (“Agreement”) between You (“You”, “Your”, “Yourself”), and “Tern Rewards” along with its affiliates, successors, and assigns (“Tern”, “We”, “Us”, or Our”).
By visiting Our Website (the “Website”), and Our mobile application (the “App”), and any application and technology We make available and use Our Services (collectively the Website, the App, and Tern dashboard are referred to as the “Platform”) or any other Service offered on the Platform, whether as a Visitor, or User and by accessing Our Platform, You indicate that You accept this Policy and that You agree to abide by its terms. If You do not agree to this Policy, please do not access Our Platform. You should read this Agreement carefully before beginning to use the Platform.
As part of its commitment to privacy, Tern respects all rules and provisions stated in the UAE Data Protection Laws. We will also comply with any specific data laws and regulations in Your jurisdiction. Please let Us know if there are any such laws that We should be aware of and comply with. We reserve the right to modify Our Privacy Policy at any time to ensure that We remain in compliance with applicable laws and regulations.
We collect, share, use, and protect information when You visit Our application and website through the following URL https://ternrewards.com and through the Tern dashboard.
This Privacy Policy should be read in conjunction with the Terms. All undefined terms used in this Privacy Policy shall have the same meaning ascribed to them in the Terms unless expressly otherwise provided for.
It is Your responsibility to check Our Privacy Policy periodically for changes. We reserve the right to revise this Privacy Policy at any time and without prior notice. Any alterations will be conveyed to Users through email notifications or Platform announcements and will be effective immediately upon posting the revised Privacy Policy on Our Website, with the updated date displayed at the top. Your continued use of Our Services after any changes to this Privacy Policy signifies Your acceptance of the updated terms. We recommend that You periodically review this Privacy Policy to stay informed about Our data-handling practices.
1. Type of Personal Data We Collect
When You visit Our Platform, We may collect personal information from or about You. In particular, We collect information that You provide when You:
(a) fill in any forms, including contact forms, registration forms, order forms, or payment forms;
(b) register to use the Platform, including the Personal Data (as defined below);
(c) open an account or use any of Our Platform, including information about Your device, location, and usage data;
(d) speak with a member of Our customer support team (either on the phone or through the Platforms) including call recordings and transcripts;
(e) contact Us for any other reason including correspondence and feedback.
We may collect Your personal information that You have left with Us by visiting Our Platform, or by subscribing to Our Platform or attending an event or any other medium linked to Us, and any details relating to when and where You request Our Services, including Your geographical location, as well as details of the device on which any of Our Platforms, which may include Your operating system and versions, unique device identifiers, serial numbers, mobile network, and Wi-Fi information (the “Personal Data”). The User’s Personal Data may include but is not limited to, the following:
Identity Data: includes name, nickname, age, gender, nationality, marital status, language, education and job.
Contact Data: includes country of residence, address, email address and telephone numbers.
Financial Data: includes bank account and payment card details (collected by our Payment Service Provider under UAE Central Bank regulation).
Transaction Data: includes details of services you have purchased from us.
Rent Data: includes the information related to your rent of the Tenancy Agreement, including without limitation, the lease ID, rent amount, and due dates for the payments;
Technical Data: includes internet protocol (IP) address, your login data, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and Site, and other technology on the devices you use to access the Site.
Account Registration Data: includes certain information in connection with the account registration process such as whether You registered using any Third Party Services and whether You verified Your email address or phone number.
Usage Data: includes information about how You use Our Site.
Login Data: includes information regarding logins and activity conducted during that log in such as when You log in, the number of messages received or sent through the Site during that log in, and whether you have been assigned, started or completed a counseling goal. This does not include the content of any messages sent or received by you or the content of any counseling goals.
Marketing and Communications Data includes your preferences in receiving marketing from us and our third parties and your communication preferences
As part of Our commitment to transparency, Tern keeps records of all Service history with regard to completed Services, canceled Services, active Services, and upcoming scheduled Services.
Moreover, in order to improve Your online experience at Tern, We have implemented impression reporting. While You view Our Platform and navigate Our Website We gather Global Unique Identifier (“GUI”), HTTP request data like user agent, IP, host, URL, country/continent from which the request is made, browser info, device/operating system/operating system version.
2. Cookies and Similar Technologies
A browser cookie (the “Cookies”) is a small piece of data that is stored on Your device to help websites remember things about You. Other technologies, including web storage and identifiers associated with Your device, may be used for similar purposes. In this Privacy Policy, We use Cookies to refer to all of these technologies.
Like most online services and websites, We may use Cookies and other technologies, such as web beacons, web storage, and unique advertising identifiers, to collect information about Your activity, browser, and device.
We may also use these Cookies to collect information when You interact with the Services We offer through Our partners, such as advertising and commerce features. Most web browsers are set to accept Cookies by default. You can choose to remove or reject browser Cookies through the settings on Your browser or device. Keep in mind, though, that removing or rejecting Cookies could affect the availability and functionality of Our Platform.
Like most providers of online services, Tern uses Cookies for a number of reasons, such as protecting Your data, helping Us see which features are most popular, counting Visitors to a page, improving Our Users’ experience, keeping Our Platform secure, and generally providing You with a better, more intuitive and satisfying experience. The Cookies We use generally fall into one of the following categories:
preferences: We use these Cookies to remember Your settings and preferences (For example: language);
security: We use these Cookies to help identify and prevent security risks (For example: to store Your session information to prevent others from changing Your password without Your username and password);
performance: We use these Cookies to collect information about how You interact with Our Platform and to help Us improve them (For example: to determine if You have interacted with a certain page);
analytics: We use these Cookies to help Us improve Our Platform (For example: to learn more about which features are the most popular with Our Users and which ones might need some tweaks); and
advertising: We use these Cookies to deliver advertisements, to make them more relevant and meaningful to consumers, and to track the efficiency of Our advertising campaigns on Our Platform.
3. Use of Personal Data
We use the information discussed above in a number of ways, including but not limited to:
(a) processing applications and transactions;
(b) accessing Our Platform and receiving Services;
(c) verifying Your identity (such as when You access Your account information);
(d) preventing fraud and enhancing the security of Your account or Our Platforms;
(e) responding to Your requests and communicating with You;
(f) managing Your preferences;
(g) informing You of different Services offerings;
(h) performing analytics concerning Your use of Our Platforms, including Your responses to Our emails and the pages and advertisements You view;
(i) providing You with tailored content and marketing messages;
(j) operating, evaluating, and improving Our business (including developing new products and services; improving existing Our software and Services; performing data analytics; and performing accounting, auditing, and other internal functions);
(k) sending You information about Our Platform, or promotional marketing communication;
(l) administering Your account, or to service Your account, or contacting You when necessary;
(m) complying with and enforcing applicable legal requirements, relevant industry standards, contractual obligations, and Our policies; and
(n) sharing limited payment updates to your landlord;
(o) for any other purposes that We may specifically disclose at the time You provide or We collect Your information.
We may also use data that We collect on an aggregate or anonymous basis (such that it does not identify any individual Customer) for various business purposes, where permissible under applicable laws and regulations.
If You no longer wish to receive any communications from Tern You can opt-out by following the instructions contained in the e-mails You receive or by contacting Us at support@ternrewards.com
4. Sharing of Your Information
We are committed to protecting Your privacy and will not disclose Your Personal Data to any third-party, unless required by law or as explicitly stated in this Privacy Policy, We will conduct thorough vetting of any third-party integrations to ensure compliance with Our stringent data protection standards We will not rent or sell or otherwise share Your information with any third parties outside Tern without Your consent, except as noted in this Privacy Policy.
Third parties with whom we may share your information:
a) With Our corporate entities. We may share information with entities within Tern’s family companies, including any holding company, group company, and subsidiary.
b) With third parties. We may share Your information (i) with service providers and partners; (ii) with third parties for legal reasons, (iii) with marketing companies. We may share information about You if We reasonably believe that disclosing the information is needed to: (1) comply with any valid legal process, governmental request, or applicable law, rule, or regulation; (2) investigate, remedy, or enforce potential violations of the Terms; (3) protect the rights, property, and safety of Us, Our Users, or others; or (4) detect and resolve any fraud or security concerns.
c) With the landlord. Tern may share only the following data with the landlord or their authorized representative:
Payment status updates (paid, failed, pending)
Summary logs of payment activity
External payment confirmations, if linked to rewards issuance
Aggregated, anonymized reports on tenant reward activity (if requested and permitted)
No personally identifiable tenant data (e.g., contact info or financial data) shall be shared unless legally required or explicitly consented to by the tenant.
d) With third parties as part of a merger or acquisition. If Tern gets involved in a merger, asset sale, financing, liquidation or bankruptcy, or acquisition of all or some portion of Our business to another company, We may share Your information with that company before and after the transaction closes.
All credit/debit cards details and personally identifiable information will not be stored, sold, shared, rented, or leased to any third parties. Tern follows the industry’s standards to protect Your details during and after transmission, but You should be aware that no method of electronic transmission or storage is 100% secure. Therefore, We cannot be held responsible for the unlikely circumstances where information is accessed without authorization. Tern is connected to a payment gateway as per the Terms posted on Our Platform.
Responding to legal requests and preventing harm:
We may access, preserve and share Your information in response to a legal request if We have a good faith belief that the law requires Us to do so. This may include responding to legal requests from jurisdictions outside Our place of incorporation where We have a good faith belief that the response is required by law in that jurisdiction, affects Users in that jurisdiction, and is consistent with internationally recognized standards. We may also access, preserve and share information when We have a good faith belief it is necessary to: detect, prevent and address fraud and other illegal activity; to protect Ourselves, You, and others, including as part of investigations; and to prevent death or imminent bodily harm. Information We receive about You may be accessed, processed, and retained for an extended period of time when it is the subject of a legal request or obligation, governmental investigation, or investigations concerning possible violations of Our Terms or policies, or otherwise to prevent harm.
5. Storage and Processing
To the fullest extent permitted by law, Your information collected through the Platform may be stored and processed in any country in which Tern and any related entities in Our group company maintain facilities.
We will retain Your information in accordance with Our internal records retention and management policies and procedures, including as necessary to provide You with the Platform or administer Your, Tern account, or as long as necessary to comply with Our legal obligations, resolve disputes, reserve Our legal rights, and enforce Our agreements.
We aim to collect only what We need, keep it up-to-date, and remove it when We no longer need it.
We take reasonable steps to ensure that the personal information We process is limited to what We require in connection with the purposes set out in this Privacy Policy, is accurate, and where necessary, kept up to date; and it is erased or rectified without delay if it is inaccurate. From time to time, We may ask You to confirm the accuracy of Your personal information.
To the fullest extent permitted by law, Tern, may transfer information that We collect about You, including Personal Data across Services and from Your country or jurisdiction to other countries or jurisdictions around the world.
We use commercially reasonable safeguards to help keep the information collected through the Platform secure and take reasonable steps (such as requesting a unique password to verify Your identity before granting You access to Your account). However, Tern cannot ensure the security of any information You transmit to Tern or guarantee that information on the Platform may not be accessed, disclosed, altered, or destroyed.
We will retain copies in a form that permits identification for as long as We deem necessary in connection with the purposes set out in this Privacy Policy unless applicable law requires a longer retention period. In particular, We will retain personal information for as long as it is needed to establish, exercise or defend any legal rights. For the avoidance of doubt, Tern will not store any information related to You beyond the purposes outlined in this Privacy Policy.
We kindly ask You to do Your part to help Us. You are responsible for maintaining the secrecy of Your unique password and account information, and for controlling access to emails between You and Tern, at all times.
6. Data Rights
As a data subject, You are entitled to exercise the following rights, at any time:
a) Right to be informed. To be informed about how Your Personal Data is collected and processed and, its purposes.
b) Right of Access. To obtain confirmation as to the existence of Your Personal Data being processed by Tern Platform, access and obtain a copy of such data.
c) Right of rectification. To request to update, modify and/or rectify Your Personal Data where it may be inaccurate or incomplete.
d) Right of Erasure. To obtain the erasure of Your Personal Data where You feel that the processing is unnecessary or otherwise unlawful, render Personal Data anonymous, block data whose processing is unlawful, or set limits to the processing provided Our legitimate interest to hold such information.
e) Right to object. You have the right to object to:
The processing of Your Personal Data, based on relevant grounds related to Your particular situation, which You believe must prevent Us from processing Your Personal Data for a given purpose.
The processing of Personal Data that is made for the purposes of sending advertising material, carrying out direct sales, market research, or commercial communication.
f) Right to restriction of the processing. Where You feel that the Personal Data processed is inaccurate, or that the processing is unnecessary or unlawful, as well as where You have objected to the processing.
g) Right to withdraw. Your consent to processing (for marketing and profiling), where Your consent serves as the legal basis for processing – this will not affect the lawfulness of the processing carried out prior to Your withdrawal.
h) Right of portability. You have the right to obtain a copy of the Personal Data You provided to Tern Platform.
Please note that most of the Personal Data You provide on the Platform can be changed at any time, by accessing, where applicable, Your User Profile.
7. Security Measures
We have implemented and will maintain appropriate technical and organizational measures, including robust security protocols such as encryption of sensitive data, utilization of secure servers, and regular security audits, to safeguard the Personal Data that We control from unauthorized or unlawful processing, accidental loss, destruction, damage, alteration, or disclosure. Our unwavering commitment is dedicated to ensuring the confidentiality, integrity, and accessibility of User data on Our Platform. Additionally, we will promptly notify You and any applicable supervisory authority of any data security breach in compliance with Our legal obligations.
All data shared with third-party integrations is rigorously restricted and encrypted to guarantee the highest level of security and User privacy.
You are solely responsible for maintaining the confidentiality of Your account details, including Your passwords. If You have any concerns about the security of Your account, You shall inform Us immediately. We reserve the right to deactivate or suspend Your account at any time, without notice, if We suspect any unauthorized use of Your account or a breach of Our Terms.
8. Mobile Push Notifications/Alerts
We may send push notifications or alerts to Your mobile device after getting Your consent to do so. You can deactivate these messages at any time by changing the notification settings on Your mobile device. You must withdraw from providing push notifications or alerts or using such features in addition to adjusting the notifications in Your mobile device if You do not want to receive these push notifications or alerts.
9. Your Opinion Matters to Us
If You’re not satisfied with the way We process Your Personal Data, and if You have any questions or concerns about this Policy or Our privacy practice, You shall contact Us directly at: support@ternrewards.com
10. Payments Details
In case of Services requiring payment, We request credit/debit card or other payment account information, which will be used solely for processing payments. Your purchase transaction data is stored only as long as is necessary to complete Your purchase transaction. Once that is complete, Your purchase transaction information is deleted. Where necessary for processing future payments, and subject to Your prior consent, Your financial information will be stored in encrypted form on secure servers of Our payment gateway service provider Paymob which is beholden to treating Your Personal Information per its Policy. All direct payment gateways adhere to the latest security standards managed by the PCI Security Standards Council, a joint effort of brands like Visa, MasterCard, American Express, and Discover. You can find more information on the privacy practices of Paymob here: https://paymob.ae/en/policy
11. Email Marketing
We offer electronic newsletters to which You may voluntarily subscribe at any time. We are committed to keeping Your e-mail address confidential and We will not disclose Your email address to any third parties except as allowed in the storage and processing or for the purposes of utilizing a third-party provider to send such emails. We will maintain the information sent via e-mail in accordance with applicable laws and regulations.
In compliance with the CAN-SPAM Act, all e-mails sent from Us will clearly state who the e-mail is from and provide clear information on how to contact the sender. You may choose to stop receiving Our newsletter or marketing emails by following the unsubscribe instructions included in these emails or by contacting Us. However, You will continue to receive essential transactional emails.
To stay informed, We strongly recommend You keep Your Email notifications activated. You can choose to stop being sent an email notification but please be aware that if You are expecting a response to a message You have sent, You will need to actively check Your account for messages.
12. Surveys
We care about Your opinion. We may request that You complete a survey to allow us to have a better understanding of Our Services and to improve them. If You choose to participate in any optional survey, We may collect demographic information about You, including age, marital status, ethnicity, profession, and income, and which could include Your sensitive information. We may also collect information about the way You use Our Services, and Your experiences with them. By participating in any survey, You consent to Our collection and use of the information You provide in accordance with this Privacy Policy.
13. Children Privacy
Tern does not knowingly collect or solicit any information from anyone under the age of eighteen (18) without parental supervision or knowingly allow such persons to register on the Platform. The Platform and its content are not directed at children under the age of eighteen (18) without parental supervision. Any person below the age of majority in their jurisdiction should get the express consent of their parents to the Terms or under the supervision of a legal guardian, prior to the use of the Platform.
14. Confidentiality and Security of Personal Data
Except as otherwise provided in this Privacy Policy, We will keep Your Personal Data private and will not share it with third parties, unless such disclosure is necessary to:
a) Comply with a court order or other legal process; or
b) Protect Our Rights or property.
Should You wish to retrieve Your Personal Data, please get in touch by emailing Us at support@ternrewards.com
15. Other Websites and Services
We are not responsible for the practices employed by any websites or services linked to or from Our Platform, including the information or content contained within them. Please remember that when You use a link to go from Our Platform to another website or service, Our Privacy Policy does not apply to those third-party websites or services. Your browsing and interaction on any third-party website or service, including those with a link on Our Platform, are subject to that third party's rules and policies. In addition, You agree that We are not responsible and do not have control over any third parties that You authorize to access Your Tern account. If You are using a third-party website or service and You allow them to access Your Tern account, You do so at Your own risk.
16. Limitation to Our Privacy Policy
Our Platform might contain links to other websites. We are not responsible for such websites’ privacy practices or content. Please understand that any information that is disclosed in those areas becomes subject to the privacy policies and practices of those sites. We have no control over its use and You should exercise caution when deciding to disclose Your Personal Data.
17. Account Closure
Your Personal Data will generally stop being available to anyone on Our Platform within: (a) twenty-four (24) hours if You choose to close Your Tern account; or (b) twelve (12) months of account closure. We usually delete closed account information, except as noted below.
If sufficiently required to comply with Our legal obligations (including law enforcement requests), comply with regulatory requirements, resolve disputes, maintain security, avoid fraud and abuse, enforce Our Terms, or meet Your request to 'unsubscribe' to further messages from Us, We will retain Your personal data even after You have closed Your account.
18. How to Contact Us
If You have any questions or comments about this Privacy Policy or the Platform, You may contact Us through support@ternrewards.com
Last Updated: August 8th, 2025
Welcome to Tern Rewards!
Your privacy is important to Us. This online privacy policy (“Privacy Policy”) together with the documents and policies incorporated and referenced in the Privacy Policy, including the Terms and Conditions (the “Terms”), shall constitute an agreement (“Agreement”) between You (“You”, “Your”, “Yourself”), and “Tern Rewards” along with its affiliates, successors, and assigns (“Tern”, “We”, “Us”, or Our”).
By visiting Our Website (the “Website”), and Our mobile application (the “App”), and any application and technology We make available and use Our Services (collectively the Website, the App, and Tern dashboard are referred to as the “Platform”) or any other Service offered on the Platform, whether as a Visitor, or User and by accessing Our Platform, You indicate that You accept this Policy and that You agree to abide by its terms. If You do not agree to this Policy, please do not access Our Platform. You should read this Agreement carefully before beginning to use the Platform.
As part of its commitment to privacy, Tern respects all rules and provisions stated in the UAE Data Protection Laws. We will also comply with any specific data laws and regulations in Your jurisdiction. Please let Us know if there are any such laws that We should be aware of and comply with. We reserve the right to modify Our Privacy Policy at any time to ensure that We remain in compliance with applicable laws and regulations.
We collect, share, use, and protect information when You visit Our application and website through the following URL https://ternrewards.com and through the Tern dashboard.
This Privacy Policy should be read in conjunction with the Terms. All undefined terms used in this Privacy Policy shall have the same meaning ascribed to them in the Terms unless expressly otherwise provided for.
It is Your responsibility to check Our Privacy Policy periodically for changes. We reserve the right to revise this Privacy Policy at any time and without prior notice. Any alterations will be conveyed to Users through email notifications or Platform announcements and will be effective immediately upon posting the revised Privacy Policy on Our Website, with the updated date displayed at the top. Your continued use of Our Services after any changes to this Privacy Policy signifies Your acceptance of the updated terms. We recommend that You periodically review this Privacy Policy to stay informed about Our data-handling practices.
1. Type of Personal Data We Collect
When You visit Our Platform, We may collect personal information from or about You. In particular, We collect information that You provide when You:
(a) fill in any forms, including contact forms, registration forms, order forms, or payment forms;
(b) register to use the Platform, including the Personal Data (as defined below);
(c) open an account or use any of Our Platform, including information about Your device, location, and usage data;
(d) speak with a member of Our customer support team (either on the phone or through the Platforms) including call recordings and transcripts;
(e) contact Us for any other reason including correspondence and feedback.
We may collect Your personal information that You have left with Us by visiting Our Platform, or by subscribing to Our Platform or attending an event or any other medium linked to Us, and any details relating to when and where You request Our Services, including Your geographical location, as well as details of the device on which any of Our Platforms, which may include Your operating system and versions, unique device identifiers, serial numbers, mobile network, and Wi-Fi information (the “Personal Data”). The User’s Personal Data may include but is not limited to, the following:
Identity Data: includes name, nickname, age, gender, nationality, marital status, language, education and job.
Contact Data: includes country of residence, address, email address and telephone numbers.
Financial Data: includes bank account and payment card details (collected by our Payment Service Provider under UAE Central Bank regulation).
Transaction Data: includes details of services you have purchased from us.
Rent Data: includes the information related to your rent of the Tenancy Agreement, including without limitation, the lease ID, rent amount, and due dates for the payments;
Technical Data: includes internet protocol (IP) address, your login data, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and Site, and other technology on the devices you use to access the Site.
Account Registration Data: includes certain information in connection with the account registration process such as whether You registered using any Third Party Services and whether You verified Your email address or phone number.
Usage Data: includes information about how You use Our Site.
Login Data: includes information regarding logins and activity conducted during that log in such as when You log in, the number of messages received or sent through the Site during that log in, and whether you have been assigned, started or completed a counseling goal. This does not include the content of any messages sent or received by you or the content of any counseling goals.
Marketing and Communications Data includes your preferences in receiving marketing from us and our third parties and your communication preferences
As part of Our commitment to transparency, Tern keeps records of all Service history with regard to completed Services, canceled Services, active Services, and upcoming scheduled Services.
Moreover, in order to improve Your online experience at Tern, We have implemented impression reporting. While You view Our Platform and navigate Our Website We gather Global Unique Identifier (“GUI”), HTTP request data like user agent, IP, host, URL, country/continent from which the request is made, browser info, device/operating system/operating system version.
2. Cookies and Similar Technologies
A browser cookie (the “Cookies”) is a small piece of data that is stored on Your device to help websites remember things about You. Other technologies, including web storage and identifiers associated with Your device, may be used for similar purposes. In this Privacy Policy, We use Cookies to refer to all of these technologies.
Like most online services and websites, We may use Cookies and other technologies, such as web beacons, web storage, and unique advertising identifiers, to collect information about Your activity, browser, and device.
We may also use these Cookies to collect information when You interact with the Services We offer through Our partners, such as advertising and commerce features. Most web browsers are set to accept Cookies by default. You can choose to remove or reject browser Cookies through the settings on Your browser or device. Keep in mind, though, that removing or rejecting Cookies could affect the availability and functionality of Our Platform.
Like most providers of online services, Tern uses Cookies for a number of reasons, such as protecting Your data, helping Us see which features are most popular, counting Visitors to a page, improving Our Users’ experience, keeping Our Platform secure, and generally providing You with a better, more intuitive and satisfying experience. The Cookies We use generally fall into one of the following categories:
preferences: We use these Cookies to remember Your settings and preferences (For example: language);
security: We use these Cookies to help identify and prevent security risks (For example: to store Your session information to prevent others from changing Your password without Your username and password);
performance: We use these Cookies to collect information about how You interact with Our Platform and to help Us improve them (For example: to determine if You have interacted with a certain page);
analytics: We use these Cookies to help Us improve Our Platform (For example: to learn more about which features are the most popular with Our Users and which ones might need some tweaks); and
advertising: We use these Cookies to deliver advertisements, to make them more relevant and meaningful to consumers, and to track the efficiency of Our advertising campaigns on Our Platform.
3. Use of Personal Data
We use the information discussed above in a number of ways, including but not limited to:
(a) processing applications and transactions;
(b) accessing Our Platform and receiving Services;
(c) verifying Your identity (such as when You access Your account information);
(d) preventing fraud and enhancing the security of Your account or Our Platforms;
(e) responding to Your requests and communicating with You;
(f) managing Your preferences;
(g) informing You of different Services offerings;
(h) performing analytics concerning Your use of Our Platforms, including Your responses to Our emails and the pages and advertisements You view;
(i) providing You with tailored content and marketing messages;
(j) operating, evaluating, and improving Our business (including developing new products and services; improving existing Our software and Services; performing data analytics; and performing accounting, auditing, and other internal functions);
(k) sending You information about Our Platform, or promotional marketing communication;
(l) administering Your account, or to service Your account, or contacting You when necessary;
(m) complying with and enforcing applicable legal requirements, relevant industry standards, contractual obligations, and Our policies; and
(n) sharing limited payment updates to your landlord;
(o) for any other purposes that We may specifically disclose at the time You provide or We collect Your information.
We may also use data that We collect on an aggregate or anonymous basis (such that it does not identify any individual Customer) for various business purposes, where permissible under applicable laws and regulations.
If You no longer wish to receive any communications from Tern You can opt-out by following the instructions contained in the e-mails You receive or by contacting Us at support@ternrewards.com
4. Sharing of Your Information
We are committed to protecting Your privacy and will not disclose Your Personal Data to any third-party, unless required by law or as explicitly stated in this Privacy Policy, We will conduct thorough vetting of any third-party integrations to ensure compliance with Our stringent data protection standards We will not rent or sell or otherwise share Your information with any third parties outside Tern without Your consent, except as noted in this Privacy Policy.
Third parties with whom we may share your information:
a) With Our corporate entities. We may share information with entities within Tern’s family companies, including any holding company, group company, and subsidiary.
b) With third parties. We may share Your information (i) with service providers and partners; (ii) with third parties for legal reasons, (iii) with marketing companies. We may share information about You if We reasonably believe that disclosing the information is needed to: (1) comply with any valid legal process, governmental request, or applicable law, rule, or regulation; (2) investigate, remedy, or enforce potential violations of the Terms; (3) protect the rights, property, and safety of Us, Our Users, or others; or (4) detect and resolve any fraud or security concerns.
c) With the landlord. Tern may share only the following data with the landlord or their authorized representative:
Payment status updates (paid, failed, pending)
Summary logs of payment activity
External payment confirmations, if linked to rewards issuance
Aggregated, anonymized reports on tenant reward activity (if requested and permitted)
No personally identifiable tenant data (e.g., contact info or financial data) shall be shared unless legally required or explicitly consented to by the tenant.
d) With third parties as part of a merger or acquisition. If Tern gets involved in a merger, asset sale, financing, liquidation or bankruptcy, or acquisition of all or some portion of Our business to another company, We may share Your information with that company before and after the transaction closes.
All credit/debit cards details and personally identifiable information will not be stored, sold, shared, rented, or leased to any third parties. Tern follows the industry’s standards to protect Your details during and after transmission, but You should be aware that no method of electronic transmission or storage is 100% secure. Therefore, We cannot be held responsible for the unlikely circumstances where information is accessed without authorization. Tern is connected to a payment gateway as per the Terms posted on Our Platform.
Responding to legal requests and preventing harm:
We may access, preserve and share Your information in response to a legal request if We have a good faith belief that the law requires Us to do so. This may include responding to legal requests from jurisdictions outside Our place of incorporation where We have a good faith belief that the response is required by law in that jurisdiction, affects Users in that jurisdiction, and is consistent with internationally recognized standards. We may also access, preserve and share information when We have a good faith belief it is necessary to: detect, prevent and address fraud and other illegal activity; to protect Ourselves, You, and others, including as part of investigations; and to prevent death or imminent bodily harm. Information We receive about You may be accessed, processed, and retained for an extended period of time when it is the subject of a legal request or obligation, governmental investigation, or investigations concerning possible violations of Our Terms or policies, or otherwise to prevent harm.
5. Storage and Processing
To the fullest extent permitted by law, Your information collected through the Platform may be stored and processed in any country in which Tern and any related entities in Our group company maintain facilities.
We will retain Your information in accordance with Our internal records retention and management policies and procedures, including as necessary to provide You with the Platform or administer Your, Tern account, or as long as necessary to comply with Our legal obligations, resolve disputes, reserve Our legal rights, and enforce Our agreements.
We aim to collect only what We need, keep it up-to-date, and remove it when We no longer need it.
We take reasonable steps to ensure that the personal information We process is limited to what We require in connection with the purposes set out in this Privacy Policy, is accurate, and where necessary, kept up to date; and it is erased or rectified without delay if it is inaccurate. From time to time, We may ask You to confirm the accuracy of Your personal information.
To the fullest extent permitted by law, Tern, may transfer information that We collect about You, including Personal Data across Services and from Your country or jurisdiction to other countries or jurisdictions around the world.
We use commercially reasonable safeguards to help keep the information collected through the Platform secure and take reasonable steps (such as requesting a unique password to verify Your identity before granting You access to Your account). However, Tern cannot ensure the security of any information You transmit to Tern or guarantee that information on the Platform may not be accessed, disclosed, altered, or destroyed.
We will retain copies in a form that permits identification for as long as We deem necessary in connection with the purposes set out in this Privacy Policy unless applicable law requires a longer retention period. In particular, We will retain personal information for as long as it is needed to establish, exercise or defend any legal rights. For the avoidance of doubt, Tern will not store any information related to You beyond the purposes outlined in this Privacy Policy.
We kindly ask You to do Your part to help Us. You are responsible for maintaining the secrecy of Your unique password and account information, and for controlling access to emails between You and Tern, at all times.
6. Data Rights
As a data subject, You are entitled to exercise the following rights, at any time:
a) Right to be informed. To be informed about how Your Personal Data is collected and processed and, its purposes.
b) Right of Access. To obtain confirmation as to the existence of Your Personal Data being processed by Tern Platform, access and obtain a copy of such data.
c) Right of rectification. To request to update, modify and/or rectify Your Personal Data where it may be inaccurate or incomplete.
d) Right of Erasure. To obtain the erasure of Your Personal Data where You feel that the processing is unnecessary or otherwise unlawful, render Personal Data anonymous, block data whose processing is unlawful, or set limits to the processing provided Our legitimate interest to hold such information.
e) Right to object. You have the right to object to:
The processing of Your Personal Data, based on relevant grounds related to Your particular situation, which You believe must prevent Us from processing Your Personal Data for a given purpose.
The processing of Personal Data that is made for the purposes of sending advertising material, carrying out direct sales, market research, or commercial communication.
f) Right to restriction of the processing. Where You feel that the Personal Data processed is inaccurate, or that the processing is unnecessary or unlawful, as well as where You have objected to the processing.
g) Right to withdraw. Your consent to processing (for marketing and profiling), where Your consent serves as the legal basis for processing – this will not affect the lawfulness of the processing carried out prior to Your withdrawal.
h) Right of portability. You have the right to obtain a copy of the Personal Data You provided to Tern Platform.
Please note that most of the Personal Data You provide on the Platform can be changed at any time, by accessing, where applicable, Your User Profile.
7. Security Measures
We have implemented and will maintain appropriate technical and organizational measures, including robust security protocols such as encryption of sensitive data, utilization of secure servers, and regular security audits, to safeguard the Personal Data that We control from unauthorized or unlawful processing, accidental loss, destruction, damage, alteration, or disclosure. Our unwavering commitment is dedicated to ensuring the confidentiality, integrity, and accessibility of User data on Our Platform. Additionally, we will promptly notify You and any applicable supervisory authority of any data security breach in compliance with Our legal obligations.
All data shared with third-party integrations is rigorously restricted and encrypted to guarantee the highest level of security and User privacy.
You are solely responsible for maintaining the confidentiality of Your account details, including Your passwords. If You have any concerns about the security of Your account, You shall inform Us immediately. We reserve the right to deactivate or suspend Your account at any time, without notice, if We suspect any unauthorized use of Your account or a breach of Our Terms.
8. Mobile Push Notifications/Alerts
We may send push notifications or alerts to Your mobile device after getting Your consent to do so. You can deactivate these messages at any time by changing the notification settings on Your mobile device. You must withdraw from providing push notifications or alerts or using such features in addition to adjusting the notifications in Your mobile device if You do not want to receive these push notifications or alerts.
9. Your Opinion Matters to Us
If You’re not satisfied with the way We process Your Personal Data, and if You have any questions or concerns about this Policy or Our privacy practice, You shall contact Us directly at: support@ternrewards.com
10. Payments Details
In case of Services requiring payment, We request credit/debit card or other payment account information, which will be used solely for processing payments. Your purchase transaction data is stored only as long as is necessary to complete Your purchase transaction. Once that is complete, Your purchase transaction information is deleted. Where necessary for processing future payments, and subject to Your prior consent, Your financial information will be stored in encrypted form on secure servers of Our payment gateway service provider Paymob which is beholden to treating Your Personal Information per its Policy. All direct payment gateways adhere to the latest security standards managed by the PCI Security Standards Council, a joint effort of brands like Visa, MasterCard, American Express, and Discover. You can find more information on the privacy practices of Paymob here: https://paymob.ae/en/policy
11. Email Marketing
We offer electronic newsletters to which You may voluntarily subscribe at any time. We are committed to keeping Your e-mail address confidential and We will not disclose Your email address to any third parties except as allowed in the storage and processing or for the purposes of utilizing a third-party provider to send such emails. We will maintain the information sent via e-mail in accordance with applicable laws and regulations.
In compliance with the CAN-SPAM Act, all e-mails sent from Us will clearly state who the e-mail is from and provide clear information on how to contact the sender. You may choose to stop receiving Our newsletter or marketing emails by following the unsubscribe instructions included in these emails or by contacting Us. However, You will continue to receive essential transactional emails.
To stay informed, We strongly recommend You keep Your Email notifications activated. You can choose to stop being sent an email notification but please be aware that if You are expecting a response to a message You have sent, You will need to actively check Your account for messages.
12. Surveys
We care about Your opinion. We may request that You complete a survey to allow us to have a better understanding of Our Services and to improve them. If You choose to participate in any optional survey, We may collect demographic information about You, including age, marital status, ethnicity, profession, and income, and which could include Your sensitive information. We may also collect information about the way You use Our Services, and Your experiences with them. By participating in any survey, You consent to Our collection and use of the information You provide in accordance with this Privacy Policy.
13. Children Privacy
Tern does not knowingly collect or solicit any information from anyone under the age of eighteen (18) without parental supervision or knowingly allow such persons to register on the Platform. The Platform and its content are not directed at children under the age of eighteen (18) without parental supervision. Any person below the age of majority in their jurisdiction should get the express consent of their parents to the Terms or under the supervision of a legal guardian, prior to the use of the Platform.
14. Confidentiality and Security of Personal Data
Except as otherwise provided in this Privacy Policy, We will keep Your Personal Data private and will not share it with third parties, unless such disclosure is necessary to:
a) Comply with a court order or other legal process; or
b) Protect Our Rights or property.
Should You wish to retrieve Your Personal Data, please get in touch by emailing Us at support@ternrewards.com
15. Other Websites and Services
We are not responsible for the practices employed by any websites or services linked to or from Our Platform, including the information or content contained within them. Please remember that when You use a link to go from Our Platform to another website or service, Our Privacy Policy does not apply to those third-party websites or services. Your browsing and interaction on any third-party website or service, including those with a link on Our Platform, are subject to that third party's rules and policies. In addition, You agree that We are not responsible and do not have control over any third parties that You authorize to access Your Tern account. If You are using a third-party website or service and You allow them to access Your Tern account, You do so at Your own risk.
16. Limitation to Our Privacy Policy
Our Platform might contain links to other websites. We are not responsible for such websites’ privacy practices or content. Please understand that any information that is disclosed in those areas becomes subject to the privacy policies and practices of those sites. We have no control over its use and You should exercise caution when deciding to disclose Your Personal Data.
17. Account Closure
Your Personal Data will generally stop being available to anyone on Our Platform within: (a) twenty-four (24) hours if You choose to close Your Tern account; or (b) twelve (12) months of account closure. We usually delete closed account information, except as noted below.
If sufficiently required to comply with Our legal obligations (including law enforcement requests), comply with regulatory requirements, resolve disputes, maintain security, avoid fraud and abuse, enforce Our Terms, or meet Your request to 'unsubscribe' to further messages from Us, We will retain Your personal data even after You have closed Your account.
18. How to Contact Us
If You have any questions or comments about this Privacy Policy or the Platform, You may contact Us through support@ternrewards.com