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Terms and Conditions of the Tata Card

Version 2026-11-07. These Terms govern the Tata loyalty program. By joining, you accept them together with our Privacy Policy.

1. Who we are

The Tata loyalty program ("the Program", "the Tata Card") is operated by AM Properties International, S.A., RUC 155736166-2-2023 DV 70, which runs Tata Cafetería ("Tata", "we") at Calle 39 Este, PH Doña Raquel, planta baja, Calidonia, Ciudad de Panamá, República de Panamá. Contact: tata@amholdings.me, +507 836-5459.

2. What the Tata Card is

The Tata Card is a free digital points card (TATA Points). You can keep it in Apple Wallet or Google Wallet, use the Tata app, or simply give your name at the counter. It identifies you as a member of the Program so that your purchases earn points you can redeem for rewards.

3. How points are earned and when they expire

  • You earn 10 points for every $1.00 actually paid for eligible products, after discounts, provided you identify yourself when paying. Tips do not count. Fractions of a point are not awarded.
  • Products with a promotion, products received free or as a reward, and the part of a purchase paid with a reward, do not earn points.
  • Points are credited only once the payment is confirmed. If you forgot to identify yourself, ask the cashier during the same visit; afterwards the purchase can no longer be credited.
  • Each purchase is a separate batch of points that expires 365 days after it was earned. New purchases do not extend older batches. When you redeem, the points that expire soonest are used first.
  • If a purchase is voided or refunded, the points it earned are removed (your balance never goes below zero), and if you had redeemed a reward in it, those points go back to the batches they came from (points from a batch that has already expired do not come back).
  • Members who had stamps on the previous stamp card had them converted to points: each stamp became 100 points and each pending reward 1,000 points, in a batch that expires 365 days after the conversion.

4. Rewards

Today you can redeem:

  • Free coffee: 1,000 points (up to $5.00; a more expensive item pays the difference)
  • $3 off: 600 points ($3.00 off your purchase)
  • $10 off: 2,000 points ($10.00 off your purchase)
  • Rewards are redeemed at the counter (the app shows which ones you can get). Only one reward is redeemed per purchase, and it is applied after any other promotion or discount. A discount reward larger than your purchase only covers the purchase; the difference is not kept.
  • Points and rewards have no cash value, cannot be exchanged for money and are not transferable to other people. Points only unlock the rewards listed here.

5. One card per person

Each person may have only one Tata Card, with true and up-to-date information. It is not allowed to create duplicate accounts, to combine purchases from different people on one card, to copy or share the card's QR code, or to manipulate the system in any way. We may ask you to confirm your identity before applying a reward.

6. Changes to the Program and to these Terms

We may change these Terms and the rules of the Program at any time and at our sole discretion, including the number of points required, the reward, its value, the eligible products, the way points are earned, and any other condition. Changes take effect when they are published on this page and/or posted at the café. The current rules are always the ones shown on this page. Rewards already earned under the previous rules will be honored for a reasonable period, unless the change is required by law. If you do not agree with a change, you may ask us to cancel your card.

7. Suspension, cancellation and end of the Program

  • We may suspend, cancel or delete any Tata Card at any time, with or without prior notice, including in cases of misuse, fraud, false information, breach of these Terms, inactivity (no purchases for twelve (12) months), technical reasons, or any other reason at our discretion. Pending points and rewards on a cancelled card are lost.
  • We may end the Program at any time. We will announce it on this page and/or at the café at least thirty (30) days in advance; rewards already earned may be redeemed during that period.
  • You may cancel your card at any time by asking at the counter or writing to tata@amholdings.me. Cancelling the card deletes your pending points and rewards and your personal data as described in the Privacy Policy.

8. Digital wallets

Apple Wallet and Google Wallet are services provided by Apple Inc. and Google LLC under their own terms. We do not control them and do not guarantee their availability. The pass in your phone is only a means of identification: in case of any discrepancy, the records of our system prevail. You can always use the Program by giving your name at the counter.

9. Limitation of liability

The Program is a free courtesy. To the extent permitted by law, we are not liable for technical failures, interruptions, errors in digital wallets or notifications, or for points that could not be recorded because you did not identify yourself before paying. Nothing in these Terms limits the rights you have as a consumer under Panamanian law (Law 45 of 2007).

10. Privacy

Your personal data is processed as described in our Privacy Policy, which forms part of these Terms.

11. Governing law and contact

These Terms are governed by the laws of the Republic of Panama. Any question or claim about the Program can be sent to tata@amholdings.me or +507 836-5459. Consumer protection claims may also be filed with ACODECO.