Terms & Conditions

The use of this Website is governed by these terms and conditions. Please read these terms and conditions in full before using this Website. By using and/or browsing this Website, You agree that You have read, understood and are bound by these terms and conditions. If You do not accept these terms and conditions, whether in full or in part, please do not use this Website.


We reserve the right to update these terms and conditions at any time without prior notice. Any updates to these terms and conditions will be effective as of the date the updates are posted on this Website, and your continued use and/or browsing of this Website will constitute your agreement to be bound by the updated terms and conditions.


If any of these terms and conditions shall be deemed invalid, void or unenforceable for any reason, that term or condition shall be deemed severable and shall not affect the validity and enforceability of the remaining terms and conditions.


"Website" refers to the Website bearing the domain name www.loviya.com and its related microsites and/or applications. 


"We" or "Us" or “Our” refers to the owner and operator of the Website. 


"You" or "User" refers to any individual or entity who visits and/or uses the Website. 


"Brands" refers to Product labels or names associated with the Products listed on the Website. 


"Products" refers to items, goods or articles listed on the Website. 


"Merchants" refers to third-party owners or operators of external e-commerce platforms which sell or market the Products on their own platforms. 


Intellectual Property 


All content and materials on the Website, including but not limited to text, graphics, pictures and price information are not to be copied or modified without the prior consent of Us or the original copyright or trademark owner. All rights reserved. 


Use of Website


You agree i) to use the Website only for purpose(s) intended by Us, which is for the User to access and compare prices across different Merchants for each Product, and earn cashback from purchases, in accordance with these terms and conditions, ii) not to access, or attempt to access, the Website through any other means, other than the interface provided by the Website and iii) not to interfere or disrupt, or attempt to interfere or disrupt, the normal operations of the Website. 


You agree not to involve or associate, or attempt to involve or associate, the Website with any criminal, illegal, harmful or objectionable activities, content, material or software, including but not limited to those of a discriminatory, defamatory, obscene or pornographic nature. These also include but are not limited to software such as malware, computer viruses, Trojan horses, worms, spyware and ransomware.  


We reserve the right to terminate or suspend your use of the Website without any prior notice or explanation, and where necessary refer You to the relevant authorities in accordance with applicable law, if You have used the Website, or have been suspected to use the Website, in violation of these terms and conditions and/or the applicable laws.


Product listings and links to external platforms


The content in each and every Product listing, including but not limited to Product name, Product description, Product image as well as price, Merchant and related information, is provided for your convenience and for informational and reference purpose only. We do not endorse, support, sponsor or make any claim or representation on the Brands, Products, Merchants or sellers listed on this Website.


The links provided under each and every Product listing to the external Merchant platforms, which may include affiliate links, are provided for your convenience only, and do not represent or imply Our endorsement, support or sponsorship of the external Merchant platforms. We do not have any control or responsibility over these external Merchant platforms. Any access to the external Merchant platforms via this Website is at your own risk. Once You leave this Website, You are no longer bound by these terms and conditions, and You are advised to check the terms of use of the external Merchant platforms.

No purchase or transaction of any Products is to be carried out on this Website, and any purchase or transaction is to be carried out directly on the external Merchant platforms. We do not collect or store any credit card details. You agree that any purchase, transaction or any other activity You undertake on the external Merchant platform shall be between You and the Merchant and/or seller, and that We are not responsible, liable or involved in any way in the purchase, transaction or activity.




  • Cashback is only based on final purchase price in the external Merchant platform i.e. price after coupons, credits, vouchers and other discounts if any.

  • Cashback is applicable for a minimum final purchase price of SGD 0.50. 

  • Cashback is not applicable for delivery or service fees and taxes.

  • Cashback is applicable for both browser and app purchases.

  • Cashback is only applicable for successful, delivered and completed purchases, and is not applicable if purchase is cancelled, returned/refunded or exchanged.

  • Cashback is applicable only for Products listed on this Website, and only if purchase is done directly via links to the external Merchant platforms provided in the respective Product listing.

  • If price in the Product listing differs from actual price in the external Merchant platform, cashback will be based on actual price paid in the external Merchant platform.

  • Cashback amount will be initially indicated as “Estimated” in the Website User cashback dashboard, and may be different from final approved cashback amount.

  • The use of coupons, vouchers and other discount codes from non-Website or non-Qoo10/Lazada/Shopee sources may invalidate cashback for the whole purchase, and We cannot guarantee any cashback as such. Only coupons, vouchers and discount codes provided in the Website or by Qoo10/Lazada/Shopee are to be used.

  • Cashback is provided solely by Us, and not by the external Merchant platforms.

  • For Qoo10, there are 3 tiers of cashback rates, as follow:

  1. Standard cashback rate is 1.5% of final purchase price per order

  2. For products on Time Sale, Daily Deal or Qchance in Qoo10, the cashback rate is 1%.

  3. The cashback rate for selected products is up to 11%.

  • For Lazada, cashback is not applicable for Redmart orders.

  • For Shopee, only the first order every 24 hours from the same device is applicable for cashback. 

  • Cashback cap for the respective external Merchant platform is as follows:

    • Qoo10: SGD 8 per order for cashback rates of 1% - 1.5%, and SGD 80 per order for cashback rate of up to 11%.

    • Lazada: SGD 40 per order

    • Shopee: SGD 20 per order

  • Each purchase can only be submitted once for cashback.

  • The deadline for submission of the Website cashback form is 14 days after an order is placed in the external Merchant platform.

  • It will take up to 1 day after submission of each Website cashback form for a purchase to be reflected in the Website User cashback dashboard.

  • The cashback processing time by Us for the respective external Merchant platform is as follows:

    • Qoo10: Up to 45 days after purchase for cashback to be validated and approved

    • Lazada: Up to 75 days after purchase for cashback to be validated and approved

    • Shopee: Up to 90 days after purchase for cashback to be validated and approved

  • The actual time for cashback approval by Us will depend on factors such as order delivery time.  

  • Should any purchase be rejected for cashback or the cashback amount is disputed, We will assist to investigate and Our decision is final.

  • Where necessary, We may contact the User for clarifications regarding approval or rejection of cashback.

  • Any cashback and accumulated balance are not transferable between different Website User accounts.

  • The minimum cashback balance for withdrawal is SGD 2.

  • The minimum amount for each withdrawal is SGD 2.

  • The available modes of withdrawal are PayLah and PayNow. We will email the User upon a successful credit of cashback into the User bank account. The User can also check the cashback withdrawal status in the Website User cashback dashboard.

  • If a wrong PayLah or PayNow nickname or mobile number is provided by a User, We will assist with retrieving the cashback and the User may need to bear any bank charges related to such retrieval. We do not guarantee successful retrieval of such cashback.

  • Each mobile number can only be used for one Website User account.

  • Should there be any suspected fraud or abuse relating to the accrual or withdrawal of cashback, the Website User account may be suspended or terminated, with any accumulated cashback being withheld or forfeited.

  • We reserve the right to claw back any cashback which has been incorrectly credited into a User account, or withdrawn by the User.

  • We reserve the right to amend the terms and conditions relating to cashback at any time, including but not limited to the cancellation or suspension of the cashback offer and cashback rates.

  • In the event of any cancellation or suspension of the cashback offer or change in the cashback rates, cashback requests will be handled on a case by case basis.

  • Start of Loviya cashback: 16 December 2019

Contests, competitions and giveaways

We may run contests, competitions and giveaways from time to time. 

  • Incomplete, illegible or inaccurate entries will be disqualified. 

  • Our decision on the outcome of the contests, competitions and giveaways is final and no correspondence or dispute will be entertained.

  • We reserve the right to substitute any of the prizes with another of similar value without prior notice. Prizes are not transferable or exchangeable for cash.

  • All transportation, accommodation, personal cost and/or any other related expenses that are incurred to participate in the contests, competitions and giveaways as well as to redeem the prizes are the sole responsibility of the entrants and winners. Entrants and winners shall assume full responsibility in case of any liability, mishap, personal injury, damage, claim or accidents resulting from their participation in the contests, competitions and giveaways, redemption and/or use of the prizes and agree to release Us of any liability. 

  • Unless otherwise specified, We are not an agent of the brand(s) or parties associated with the prizes or vice versa, and make no warranty or representation as to the quality or usability of the prizes. 

  • ​Other than Us, and unless otherwise specified, the contests, competitions and giveaways are in no way sponsored, endorsed or administered by, or associated with, any other brands, platforms or parties. 

  • If for any reason, all or part of any contest, competition or giveaway is not capable of being executed as planned, including but not limited to infection by computer viruses and bugs, tampering, unauthorized intervention, fraud, action of entrants, technical failures, or any other causes beyond Our control, We reserve the right to disqualify any entry or entrant and to cancel, terminate, modify, or suspend the contest, competition or giveaway (in whole or in part). 


We make every reasonable effort to ensure that the content and information on the Website is correct and up to date. However, We do not guarantee that the content and information on the Website is correct, complete and/or up to date at all times, including but not limited to the prices and stock availability of the Products provided by the Merchants. We reserve the right to add, modify, delete and/or make any other changes to the content and information on the Website at any time and without prior notice.

While the Products carried by the respective Merchants and/or sellers under each Product listing may all fit the same Product Brand, name and description under the Product listing, there may be instances where the Products may not be fully identical e.g. due to differences in Product packaging


We do not guarantee that i) your use of the Website will be uninterrupted and/or error-free, and You agree that We may suspend or terminate the Website at any time without prior notice, ii) any defects, errors or abnormalities in the operation or functionality of the Website will be rectified, iii) the Website will be free from security breaches, including but not limited to virus attacks, hacking and interference.

We do not guarantee that use of the Website will meet your requirements and/or expectations.


Exclusion of liability

We are in no way liable to You or any other third party for any direct, indirect, punitive, incidental, consequential or any other damages resulting from the use of or inability to use the Website, as well as any unauthorized access to your activity or data directly or indirectly through the Website, to the maximum extent permitted by law. All use of the Website shall be at your own risk.

You agree that the download, or collection through any other means, of any data and/or material obtained through the Website is done entirely at your own discretion and risk, and agree that to the maximum extent permitted by law, We are not in any way liable for any damage and/or loss to your hardware and software, including but not limited to computers, servers and data, arising from the download or collection of data and/or material from the Website.


You agree to indemnify, defend and hold harmless the owner and operator of the Website, its shareholders, directors, officers, employees, consultants, agents, and affiliates, from any and all claims, liability, damages and/or costs by a third party or otherwise, arising from your use, or inability to use, of the Website and/or your breach of these terms and conditions.


Governing law and jurisdiction

These terms and conditions shall be governed and construed in accordance to Singapore law. Any dispute or legal proceeding shall be subject to the jurisdiction of the Singapore courts.


Contact Us

Should You need any clarifications regarding these terms and conditions, please contact Us via the Contact Us page or via email at contact@loviya.com

Last updated: 20 December 2019

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© 2019 by Loviya. All rights reserved.