Loyalty Register

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what you must disclose

Disclose how members earn, use, lose, and challenge loyalty value. Put eligibility, expiry, exclusions, changes, consent, and support routes where a member can find them before the rule affects the balance.

## The mechanism

Define the qualifying event, value change, owner, correction path, and member explanation. Keep eligibility, liability, fulfilment, consent, and reversal as separate rules. The operating control must be testable from the ledger.

## Worked example

Illustrative arithmetic: a member earns 5 points per dollar on 120 dollars of eligible spend, receiving 600 points. A reversal removes 40 dollars of ineligible spend and corrects the award to 400 points.

## Do it

State the rule in one sentence. Map the event that starts it, the event that changes value, the exception path, and the review action. Test ordinary, cancelled, duplicated, and disputed cases before release.

## Common mistakes

- Measuring activity instead of the target behaviour. Name the counterfactual. - Treating face value as operator cost. Price fulfilment and correction. - Hiding exclusions or expiry. Put the boundary beside the decision. - Automating an undefined rule. Resolve ownership before implementation.

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