Terms & Privacy

AbleCircle — Terms & Privacy

PART 1: TERMS AND CONDITIONS OF SERVICE

Last Updated:
October 2026
Operator:
Social Enterprise Cluster (SEC) sal
Platform Domain:
www.ablecircle.net (operating via Eber infrastructure)

1. ACCEPTANCE OF TERMS

By accessing, registering for, or using the Able Circle platform, website (www.ablecircle.net), the AbleCircle mobile application for Android and iOS, or associated loyalty card programs (collectively, the "Platform"), operated by Social Enterprise Cluster (SEC) sal ("Company," "we," "us," or "our"), you ("User," "Cardholder," or "you") agree to be bound by these Terms and Conditions of Service ("Terms"). If you do not agree to these Terms, you must immediately cease accessing or using the Platform.

2. PLATFORM OVERVIEW & ROLES

  • Intermediary Role: Able Circle is a disability-inclusive digital marketplace and loyalty card program designed to identify, support, and connect disability-inclusive businesses ("Suppliers") with consumers. The Company acts strictly as a digital intermediary.
  • No Direct Sales: The Company does not sell products, process end-user payment transactions, or provide partner services directly. All transactions, payments, and fulfillments occur directly between the User and the participating Supplier.

3. ACCOUNT REGISTRATION, ELIGIBILITY & CARD TYPES

A. Account Registration & User Capacity

  • Accounts may be created by individual persons or corporate entities/organizations ("Organizations").
  • Individual Users must be at least fourteen (14) years of age to register an account independently. Minors between 14 and 18 years of age affirm that they possess parent or legal guardian authorization to access and use the Platform.

B. Blue Loyalty Card (Persons with Disabilities & Families)

  • Eligibility: Reserved exclusively for Persons with Disabilities ("PWDs") and their immediate family members.
  • Verification Requirements: Approval is subject to verification by the Company’s outreach department through:
    1. Submission of a valid Ministry of Social Affairs (MOSA) Disability Card; and/or
    2. Completion of the Company’s internal screening process.
  • Family Members: Applicants registering as family members must provide the verified full name and disability details of the primary PWD. Approval is contingent on cross-referencing and confirming the primary PWD’s active record within the Company system.
  • Benefits: Grants access to participating Supplier discounts and commercial benefits.

C. White Loyalty Card (Allies & Organizations)

  • Eligibility: Open to the general public, individual inclusion advocates, and Organizations supporting disability inclusion.
  • Registration: Open without prerequisite eligibility checks or membership fees.
  • Benefits: White Loyalty Cardholders do not receive Supplier transaction discounts. White Cards allow Users to identify and support inclusive businesses and earn reward points within the Able Circle system for redemption where applicable.

D. Account Integrity & Non-Transferability

  • All accounts and loyalty cards (digital or physical) are strictly personal and non-transferable.
  • Cardholders shall not loan, share, assign, or transfer their card, account credentials, or discount coupons to third parties.
  • Penalties for Misuse: Misuse, falsification of disability status, or unauthorized sharing of Blue Loyalty Card benefits shall result in immediate account termination, revocation of cards, and potential legal action.

4. DISCOUNT REDEMPTION & PLATFORM MECHANICS

A. On-Site (In-Store) Redemption

Blue Loyalty Cardholders must present their active digital Blue Loyalty Card on the Platform to the Supplier’s staff prior to billing. The Supplier shall apply the pre-agreed discount directly to the final invoice.

B. Online Redemption

Blue Loyalty Cardholders must request an authorized single-use promotional coupon code via the Able Circle Platform and enter the coupon code at checkout on the participating Supplier’s website or e-commerce platform.

C. Stacking & Exclusions

Unless expressly stated otherwise by the Supplier in writing, Able Circle Blue Loyalty Card discounts cannot be combined ("stacked") with other promotional offers, clearance sales, seasonal discounts, or external loyalty program benefits.

D. Receipt Submissions

Users may earn reward points by uploading a photo of a purchase receipt from a participating Supplier through the Platform. Submitted receipts are reviewed before points are awarded. The Company may reject receipts that are illegible, duplicated, altered, or not from a participating Supplier, and may reverse points awarded for fraudulent submissions.

5. FEES AND PAYMENTS

  • End-User Payments: Able Circle does not process end-user payments. All financial transactions occur directly between the User and the Supplier at the point of sale (in-person or on the Supplier’s external site).
  • Card Fees: White and Blue Loyalty Cards are currently provided free of subscription or registration fees to Users, subject to the Company’s right to modify membership terms upon prior notice.

6. DISCLAIMERS & LIMITATION OF LIABILITY

A. Supplier Conduct & Services

The Company is not responsible or liable for:

  1. Any Supplier's refusal or failure to honor an advertised discount or promo coupon;
  2. The accuracy, accessibility, or safety of any Supplier’s physical premises, staff, facilities, or online channels;
  3. The quality, safety, legality, delivery, or fitness for purpose of any products or services offered by Suppliers.

B. Technical Availability

The Platform is hosted via third-party infrastructure (Eber). The Company does not guarantee uninterrupted, error-free, or secure access to the Platform and shall not be liable for system downtime, third-party network failure, or service disruptions.

7. INTELLECTUAL PROPERTY

All materials, trademarks, logos, brand names ("Able Circle", "Social Enterprise Cluster"), digital interfaces, software codes, and loyalty marks are the exclusive property of Social Enterprise Cluster (SEC) sal or its licensors. Unauthorized reproduction, modification, or distribution is strictly prohibited.

8. TERMINATION OF SERVICE

The Company reserves the right, in its sole discretion and without prior notice, to suspend, deactivate, or permanently delete any User or Organization account if it suspects fraudulent activity, misrepresentation of eligibility criteria, breach of these Terms, or misuse of loyalty card privileges.

9. GOVERNING LAW AND DISPUTE RESOLUTION

  • These Terms shall be governed by, interpreted, and enforced in accordance with the laws of the Republic of Lebanon.
  • Any claim, dispute, or controversy arising out of or in connection with these Terms or the use of the Platform shall be subject to the exclusive jurisdiction of the Competent Courts of Beirut, Lebanon.

10. CONTACT INFORMATION

For legal notices, service inquiries, or customer support, please contact:

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