When businesses start to consider ways to use and collect data, many consider the benefits of a loyalty program. Sometimes referred to as a "consumer rewards program," these plans establish a way for businesses to retain customers and provide customers with special deals like price cuts, new and improved services or free rewards. Like all data, though, it's important for a business to be smart about using its loyalty program. By tracking consumer spending, businesses can add a layer of otherwise unavailable flexibility to their plans and strategies. But over-collecting, misusing or ignoring collected data can lead consumers to feel overwhelmed or intruded upon. It's just as important for consumers to be smart and to understand how their data might be used. This infographic aims to help you do just that. Here's how to spot a loyalty program that's not a waste of your time and ink.