Campaigns & Promotions
LemFi Rate Boost Campaign: EU, UK and Canada to Kenya - November to December 2026
TERMS AND CONDITIONS
LemFi Rate Boost Campaign: EU, UK and Canada to Kenya - November to December 2026
1. Introduction and Legal Scope
These Terms and Conditions govern the LemFi Rate Boost Campaign: EU, UK and Canada to Kenya (the “Campaign”).
The Campaign is organised by LemFi, a brand operated by the following LemFi group entities, as applicable to the participant and the relevant service:
- Lemfi-Europe Limited, a company registered in Ireland (company number 604979) and authorised by the Central Bank of Ireland as a payment institution (reference C182347), for participants whose LemFi account is with Lemfi-Europe Limited;
- Pomelo Remits Europe Ltd, a company registered in Ireland, for other participants in the European Union;
- RightCard Payment Services Limited, a company registered and regulated in the United Kingdom, for participants in the United Kingdom; and
- Pomelo Technology Canada Ltd, a company registered and regulated in Canada, for participants in Canada.
These entities operate collectively under the LemFi brand in accordance with the laws and regulations applicable in their respective jurisdictions.
Participation in the Campaign is subject to these Terms and Conditions and the applicable LemFi terms of service.
2. Purpose of the Campaign
The Campaign aims to encourage selected customers who send money from the European Union, the United Kingdom or Canada to Kenya to send with LemFi again, or to send more with LemFi, by offering an improved exchange rate (a “Rate Boost”) on qualifying transfers during the Campaign Period.
The Campaign targets two groups of customers:
- Returning customers: selected customers who previously sent money from the European Union, the United Kingdom or Canada to Kenya with LemFi and have not sent to Kenya with LemFi since 31 July 2026.
- Selected high-value senders: customers who have previously sent large amounts from the European Union, the United Kingdom or Canada to Kenya with LemFi and whose recent sending has reduced.
The Campaign is an exchange rate promotion. It is not a referral programme, prize draw, competition or cash giveaway.
3. Campaign Period and Communications
The Campaign will run from 00:00 UK time (GMT) on Wednesday, 11 November 2026 to 23:59 UK time (GMT) on Friday, 11 December 2026 (the “Campaign Period”).
The Campaign communication schedule is as follows:
- Wednesday, 11 November 2026: Campaign launch by email, push notification and in-app message.
- Wednesday, 18 November 2026: one (1) reminder by email or push notification.
- Wednesday, 25 November 2026: one (1) reminder by email and push notification.
- Wednesday, 9 December 2026: one (1) final reminder before the Campaign ends, by email and push notification.
The channels a participant receives may vary depending on their customer group. LemFi may change these dates and channels.
Marketing communications will only be sent to customers who have agreed to receive them, in line with their communication preferences.
4. Languages
Campaign communications will be available in English and French. These Terms and Conditions are also available in French. If the English and French versions differ, the English version applies, unless local law requires otherwise.
5. Participant Eligibility
To be eligible for the Rate Boost under the Campaign, a participant must:
- Be at least 18 years old.
- Hold an existing, verified LemFi account with one of the LemFi entities listed in Section 1.
- Be identified by LemFi as eligible for the Campaign, based on their previous sending history to Kenya.
- Send in EUR from a supported sending market in the European Union, in GBP from the United Kingdom or in CAD from Canada, to a recipient in Kenya.
- Complete any required identity verification and satisfy LemFi’s account and transaction requirements before making a qualifying transfer.
- Comply with these Terms and Conditions and all applicable LemFi terms of service.
Not every customer who receives a Campaign communication is guaranteed to qualify for the Rate Boost. Eligibility will be determined using LemFi’s records and the applicable Campaign criteria. LemFi does not select every customer who fits the descriptions in Section 2.
6. Promotional Offer
Eligible participants will receive a Rate Boost on qualifying EUR to KES, GBP to KES and CAD to KES transfers during the Campaign Period. The Rate Boost is an improvement on LemFi’s standard exchange rate for the relevant currency at the time of the transfer (the exchange rate the LemFi application would show the participant for that transfer if they were not taking part in the Campaign) and depends on the transfer amount in the sending currency:
| Transfer amount (EUR, GBP or CAD) | Exchange rate |
|---|---|
| Up to €999.99 / £999.99 / CAD $999.99 | Standard exchange rate improved by 0.2% |
| €1,000 to €2,499.99 / £1,000 to £2,499.99 / CAD $1,000 to CAD $2,499.99 | Standard exchange rate improved by 0.4% |
| €2,500 / £2,500 / CAD $2,500 and above | Standard exchange rate improved by 0.7% |
The boosted exchange rate will be displayed in the LemFi application before the participant confirms the transfer. An improvement of 0.2% means the recipient gets 0.2% more Kenyan shillings for the same amount sent than at LemFi’s standard exchange rate (and likewise for 0.4% and 0.7%). For example, if a transfer would deliver KES 50,000 at LemFi’s standard exchange rate, a 0.2% Rate Boost means the recipient gets KES 50,100. The boosted exchange rate and the amount the recipient receives are each rounded down to two decimal places.
The Rate Boost is non-transferable and cannot be exchanged for cash or another benefit, except where required by applicable law.
7. How the Rate Boost Applies
The Rate Boost applies automatically to qualifying transfers made by eligible participants through the LemFi application. No promotional code is required.
The Rate Boost applies to qualifying transfers up to a maximum combined value of €10,000, £10,000 or CAD $10,000 (in the participant’s sending currency) per participant during the Campaign Period. A transfer receives the Rate Boost only if, together with the participant’s earlier qualifying transfers, it does not take the combined total above this amount. Other transfers will receive LemFi’s standard exchange rate.
Qualifying transfers remain subject to the participant’s applicable transfer limits. The Campaign does not change or increase any transfer limits.
8. Validity and Expiry
The Rate Boost is available only during the Campaign Period. Transfers confirmed after the end of the Campaign Period will receive LemFi’s standard exchange rate. No extension will be provided unless LemFi expressly decides otherwise.
9. Qualifying Transactions
To qualify for the Rate Boost, a transfer must:
- Be initiated through the LemFi application by an eligible participant.
- Be sent in EUR from a supported sending market in the European Union, in GBP from the United Kingdom or in CAD from Canada, to a recipient in Kenya.
- Be confirmed by the participant within the Campaign Period (even if the recipient is paid after it ends) and then be successfully completed.
Cancelled, reversed, refunded, failed, fraudulent or otherwise invalid transfers do not qualify.
10. Rate Boost Conditions
The Rate Boost:
- Is available only to eligible participants.
- Is for the eligible participant only.
- Is non-transferable and may not be sold, assigned or transferred.
- Cannot be exchanged for cash.
- May not be combined with another promotional offer unless LemFi expressly permits it. (This does not stop a participant using LemFi Cash on the same transfer.)
- Ends at the end of the Campaign Period.
11. Campaign Targeting
The Campaign targets selected customers who have previously sent money from the European Union, the United Kingdom or Canada to Kenya with LemFi.
LemFi may use account status, verification status, transaction history, sending market, currency and supported destination corridors to identify and segment eligible customers.
Not all LemFi customers will receive Campaign communications or qualify for the Rate Boost. Receiving a Campaign communication does not by itself guarantee eligibility.
12. Fraud, Abuse and Disqualification
LemFi may withhold or cancel the Rate Boost where it reasonably determines that a participant has engaged in fraud or attempted fraud, abused or manipulated the Campaign, provided false or misleading information, used multiple accounts to obtain multiple promotional benefits, breached LemFi’s terms of service, or conducted suspicious, unauthorised or invalid transactions.
13. Personal Data
Personal data processed in connection with the Campaign may be used to:
- Identify eligible participants.
- Manage Campaign communications.
- Determine verification and transaction status.
- Verify qualifying transactions.
- Apply the Rate Boost.
- Prevent fraud and abuse.
- Comply with legal and regulatory requirements.
Personal data will be processed in accordance with LemFi’s applicable privacy policy and relevant data protection legislation.
14. Limitation of Liability
To the extent permitted by applicable law, LemFi is not responsible for technical failures or circumstances outside its reasonable control that prevent a participant from completing a qualifying transfer within the Campaign Period.
Nothing in these Terms and Conditions excludes or limits liability where such exclusion or limitation is prohibited by applicable law.
15. Modification, Suspension or Cancellation
LemFi may modify, suspend or cancel the Campaign where reasonably necessary, including due to fraud or suspected abuse, technical issues, regulatory requirements, force majeure or other circumstances beyond its reasonable control.
Material changes will be communicated where required by applicable law. A change, suspension or cancellation does not affect a transfer that a participant has already confirmed at a boosted exchange rate.
16. Applicable Terms
Participation in the Campaign remains subject to the applicable LemFi Terms of Service, privacy policy and other policies governing use of the LemFi application.
Where these Terms and Conditions conflict with mandatory legal requirements, the mandatory legal requirements prevail.
These Terms and Conditions are governed by the same law, and any dispute about them is resolved in the same way (including any arbitration), as under the participant’s LemFi Terms of Service. This does not affect any mandatory rights the participant has under the law of their country of residence.
17. Contact
For questions about the Campaign, participants may contact LemFi at:
- Email: support@lemfi.com
- Social media: @UseLemFi on Instagram, Facebook and TikTok.