Campaigns & Promotions
TERMS AND CONDITIONS FOR LEMFI'S “GOOGLE RATE” INDIA CORRIDOR PROMOTION (AUSTRALIA)
1. THE PROMOTER AND THESE TERMS
1.1 These terms and conditions (the “Terms”) govern the Google Rate India Corridor Promotion (the “Promotion”) in Australia.
1.2 Pomelo Australia Pty Ltd, trading as LemFi, runs the Promotion. Schedule 1 gives its details. In these Terms, “LemFi”, “we”, “us” and “our” mean Pomelo Australia Pty Ltd.
1.3 These Terms sit alongside the LemFi Australia Terms of Service that apply to your account (the “Terms of Use”), which Schedule 1 links to. Where they conflict, these Terms apply to the Promotion and the Terms of Use apply to everything else.
1.4 By taking part in the Promotion you accept these Terms.
2. PROMOTION PERIOD
2.1 The Promotion starts on the date that Schedule 1 sets out and runs until it ends under clause 10 (the “Promotion Period”). Schedule 1 also states the time zone that applies.
2.2 We treat a transfer as falling inside the Promotion Period by reference to the time we receive and accept your transfer instruction, not the time you begin setting it up and not the time the recipient is paid.
2.3 We may suspend or end the Promotion in accordance with clause 10.
3. WHO CAN TAKE PART
3.1 You can take part if, at the time you make your first transfer under the Promotion, you meet all of the following conditions:
- a) you are 18 years of age or older;
- b) you live in Australia and your LemFi account is registered in Australia;
- c) you have completed the customer verification we require before you can send money with LemFi;
- d) you are an Eligible Customer as defined in clause 3.2; and
- e) you send money to a recipient in India.
3.2 An “Eligible Customer” is a person who falls within either of the following two groups:
- a) a person who has never completed a money transfer through LemFi, whether they registered their LemFi account before or during the Promotion Period; or
- b) a person who has completed a money transfer through LemFi before, but not in the 45 days immediately before the transfer they make under the Promotion, if we invited them to take part in the Promotion by email, push notification or a message in the app before that transfer.
3.3 We count the 45 days in clause 3.2(b) back from the date we accept your transfer instruction under the Promotion to the date we accepted your most recent completed transfer instruction, to any country and in any currency.
3.4 An invitation under clause 3.2(b) applies only to the person we send it to. If it gives a date by which you must make your transfer, you must make it by that date.
3.5 A transfer that clause 5.6 says does not count as a first qualifying transfer does not count for the purposes of clauses 3.2 and 3.3 either.
3.6 We decide whether you are an Eligible Customer by reference to our records. Where we hold more than one account for the same person, we treat those accounts as one and take into account transfers on any of them.
3.7 The Promotion applies once per person. It does not apply once per account, per device or per payment method.
4. WHO CANNOT TAKE PART
4.1 The following people cannot take part in the Promotion:
- a) employees, officers, directors and contractors of LemFi and of any company in the same group as LemFi, and members of their immediate households;
- b) brand ambassadors, influencers, creators and affiliates engaged by LemFi or by an agency acting for LemFi, and members of their immediate households; and
- c) anyone whose account we have suspended, restricted or closed, or who is the subject of an open fraud, sanctions or financial crime review.
4.2 Clause 4.1(b) does not stop an influencer or creator from promoting the Promotion under a separate written agreement with LemFi. It stops them claiming the benefits themselves.
5. THE PROMOTIONAL EXCHANGE RATE
5.1 Subject to clause 5.4, for your first qualifying transfer to India, we apply the mid-market exchange rate published by Google Finance for Australian dollars (AUD) to Indian rupees (INR), with no LemFi exchange rate margin added. We call this the “Google mid-market exchange rate” (the “Promotional Rate”). Where our marketing uses the shorthand “Google Rate”, it means the Google mid-market exchange rate described in this clause 5 and nothing else.
5.2 Google Finance takes its exchange rate data from third party market data providers, including Morningstar. We do not set that rate, we do not control it and we cannot guarantee that it is accurate, complete or available at any given moment. The Google Finance disclaimer explains how Google sources that data.
5.3 We retrieve the Promotional Rate when you set up your transfer and we fix it when you confirm the transfer. The rate we fix at that moment is the rate we apply, even if the published rate moves before we pay your recipient.
5.4 If, when you confirm your first qualifying transfer, our standard exchange rate would give your recipient more Indian rupees than the Promotional Rate, we apply our standard exchange rate instead. That transfer still counts as your first qualifying transfer, and clause 6 still applies to it.
5.5 We refresh the Promotional Rate in the app close to real time. In periods of high market volatility the rate you see may lag the rate published elsewhere by a short interval. The rate shown in the app immediately before you confirm your transfer is the rate that applies, and it is the rate shown on your receipt.
5.6 If the Promotional Rate is unavailable, out of date or affected by a technical fault, we offer you our standard exchange rate for the currency pair instead and we tell you in the app before you confirm the transfer, so you can decide whether to go ahead. If you go ahead, you are not entitled to compensation for the difference between the two rates, but that transfer does not count as your first qualifying transfer.
5.7 We do not cap the value of the transfer to which we apply the Promotional Rate. The transfer limits in the Terms of Use continue to apply. We apply our standard exchange rate to every transfer you make after your first qualifying transfer.
5.8 We show our standard exchange rates and fees in the app before you confirm any transfer. Those standard rates and fees apply to all of your transfers once the Promotion ends or once you have made your first qualifying transfer, whichever happens first.
5.9 Google, Google Finance and the Google logo are trade marks of Google LLC. LemFi is not affiliated with, endorsed by, sponsored by or otherwise connected to Google LLC. We refer to Google Finance only to describe the source of the exchange rate we apply.
6. TRANSFER FEE ON YOUR FIRST QUALIFYING TRANSFER
6.1 We do not charge our transfer fee on your first qualifying transfer to India during the Promotion Period.
6.2 That covers the LemFi transfer fee only. It does not cover any charge applied by your bank, your card issuer, your payment provider or the recipient's bank.
6.3 Our standard fees apply to every transfer after your first qualifying transfer.
7. LEMFI CASH GRANTS
7.1 If you enter a valid promotion code during the Promotion Period, we credit your LemFi Cash balance with a promotional grant (a “Grant”). We show the amount of the Grant in the app.
7.2 We credit a Grant only once you have completed the customer verification we require before you can send money with LemFi. You can then use it on any eligible transfer, including your first qualifying transfer under this Promotion.
7.3 We issue promotion codes for this Promotion through the creators and channels we appoint, so codes differ between creators. A code is valid only if we issued it for Australia, you enter it during the Promotion Period and we have not withdrawn it. We can withdraw a code at any time, and we can refuse a Grant where a code reaches you outside the channels we appointed.
7.4 A Grant is LemFi Cash under the LemFi Cash Programme Terms (https://lemfi.com/legal/lemfi-cash-terms) (the “Programme Terms”). The Programme Terms govern it, including how you apply it, how much is applied, any caps per transaction or per period, when it expires and our rights where we find abuse. They also govern what happens if a transfer is refunded or reversed. These Terms do not change any of that.
7.5 LemFi Cash increases the amount your recipient receives. It does not reduce the amount you pay. Where you have LemFi Cash available, it is switched on by default, and you can switch it off before you confirm a transfer.
7.6 LemFi Cash is a reward you can use towards eligible transfers. It is not money. You cannot withdraw it, transfer it to anyone else or exchange it for cash.
7.7 LemFi Cash cannot be applied to every transfer. The Programme Terms set out which transfers are eligible, and the app shows you where LemFi Cash cannot be applied.
8. REFER A FRIEND
8.1 Referral rewards are part of the LemFi Cash programme and not part of this Promotion. The Programme Terms govern them, including when a referrer and the person they refer earn a reward.
8.2 The amounts that apply are shown in the app and on the Invite and Earn page.
8.3 The person you refer must sign up using your referral code or link.
9. GENERAL CONDITIONS
9.1 The Promotion is personal to you. You cannot transfer or assign any benefit under it.
9.2 You cannot combine the Promotion with any other LemFi promotion, promotional rate, discount or offer unless we say in writing that you can. This does not stop you earning or using LemFi Cash under the Programme Terms, including a Grant under clause 7.
9.3 The Promotion applies only to transfers to India. It does not apply to transfers to any other country.
9.4 We may require you to give us information we reasonably need to confirm that you qualify. If you do not give it to us within a reasonable time, we may withhold the benefit.
9.5 Nothing in these Terms limits or excludes our liability where the law does not allow us to do so, and nothing in them affects your statutory rights, including any rights you have under the Australian Consumer Law or any other applicable Australian consumer protection law that cannot be excluded, restricted or modified by agreement.
10. CHANGING, SUSPENDING OR ENDING THE PROMOTION
10.1 We may change these Terms or suspend the Promotion where we have a valid reason to do so, including where we need to comply with a legal or regulatory requirement, where a technical fault affects the Promotion or where we detect abuse. For the same reasons, we may end the Promotion without giving the notice in clause 10.4.
10.2 We publish any change on the LemFi website and, where the change is material and affects you, we tell you in the app or by email.
10.3 If we end the Promotion, we honour every benefit earned under these Terms before it ends.
10.4 The Promotion has no closing date. Unless clause 10.1 applies, we will give at least 14 days’ notice before we end it by publishing the closing date on the LemFi website.
11. FRAUD AND ABUSE
11.1 We may withhold a benefit, recover the value of a benefit already given, cancel a transfer or suspend or close an account where we reasonably believe that a person has:
- a) given us false or misleading information;
- b) opened or controlled more than one account to claim a benefit more than once;
- c) used an automated method, a script or any other technique to obtain a benefit; or
- d) taken part in the Promotion other than in good faith and for their own personal use.
11.2 We make that assessment reasonably and we tell you our decision. You can challenge it through the complaints process in clause 13.
12. YOUR PERSONAL DATA
12.1 We process your personal data for the Promotion in line with the LemFi privacy notice at https://lemfi.com/en-au/legal/mobile-privacy. We use it to confirm that you qualify, to apply the Promotional Rate and to prevent fraud.
12.2 We do not publish your name or share your details with any third party for marketing purposes as a result of your taking part.
13. COMPLAINTS
13.1 If you are unhappy with anything about the Promotion, contact us at support@lemfi.com. We handle your complaint under the complaints process in the Terms of Use.
14. GOVERNING LAW AND DISPUTES
14.1 The law that governs these Terms, and the way a dispute about them is resolved, are the same as under the Terms of Use, as summarised in Schedule 1.
14.2 Nothing in this clause 14 takes away any protection you have under the law of the place where you live.
SCHEDULE 1 (PROMOTION DETAILS)
| Promoter | Pomelo Australia Pty Ltd, trading as LemFi |
| Registered in | Australia, ACN 671 816 283 (ABN 11 671 816 283) |
| Regulatory status | Registered with the Australian Transaction Reports and Analysis Centre (AUSTRAC) as an independent remittance dealer, registration number IND100885558-001 |
| Who can take part | Residents of Australia |
| Terms of Use | LemFi Australia Terms of Service (https://lemfi.com/en-au/legal/terms) |
| Promotion Period | Opens at 00:00 on 4 November 2026, Sydney time. No closing date: see clause 10.4. |
| Currency pair | Australian dollars (AUD) to Indian rupees (INR) |
| LemFi transfer fee on your first qualifying transfer | No LemFi transfer fee |
| Promotional Grant (promotion code) | As shown in the app |
| Referral and joining rewards | As shown in the app and on the Invite and Earn page |
| Maximum transfer at the Promotional Rate | None. Terms of Use limits apply |
| Governing law and disputes | The laws of New South Wales, Australia, and the dispute resolution provisions of your Terms of Use |