LemFi’s Valentine’s Giveaway – Trip to Zanzibar Campaign

Terms and Conditions for LemFi's Valentine's Giveaway – Trip to Zanzibar Campaign

These terms and conditions apply to all Participants involved in the LemFi Valentine's Giveaway – Trip to Zanzibar Campaign.

By participating in the LemFi Valentine's Giveaway – Trip to Zanzibar campaign, you agree to the following Terms and Conditions. LemFi may at any time and at its sole discretion, terminate, cancel, suspend, withdraw or modify the campaign or these terms without prior notice. Please refer to the definitions below for clarification as to the meaning of various words and phrases under these Terms and Conditions.

Definitions: (Key Terms)

Program/Promotion: The "Valentine's Giveaway – Trip to Zanzibar" is a limited-time incentive where eligible LemFi users can enter a draw to win one €2000 travel voucher / package for a romantic trip to Zanzibar for one couple (two people) after completing a qualifying transfer of €1000 or more in a single transfer to Nigeria during the promotional period.

Prize: One winner (the selected couple of two people) will receive a €2000 Zanzibar travel voucher/package (covering flights and/or travel arrangements for two people). The prize is awarded to one couple only. Winners will be contacted within 7 days after the end of the campaign.

Promotion Period: The campaign begins on 10th February 2026 and ends on 20th February 2026 (inclusive).

Participant: Existing LemFi customers residing in Germany, Italy, or France who meet the eligibility criteria.

Valid LemFi Account: An account that is verified, unrestricted, and not flagged for fraud or abuse. Users must comply with LemFi's User Agreement.

1. Valentine's Giveaway – Trip to Zanzibar Campaign

You may participate in this Program from 10th February 2026 to 20th February 2026 until the Program is terminated, withdrawn, suspended or modified by LemFi.

2. Eligibility to Participate

Participation in this campaign is strictly limited to selected LemFi customers who meet the following conditions:

• This campaign is open to LemFi users aged 18 years and above.
• Participants must reside in Germany, Italy, or France, have a fully verified LemFi account, and comply with all LemFi's standard terms of service.
• Participants must be part of the targeted segment: customers who sent €500 or more (cumulative) to Nigeria during January 2026 (tracked via LemFi records).
• Participants must receive official campaign communication (e.g., email, in-app notification, or targeted message) from LemFi regarding this promotion.

The following individuals are not eligible to participate:

• Employees, contractors, and affiliates of LemFi.
• LemFi brand ambassadors, influencers, and any individuals running paid promotional campaigns on behalf of LemFi.

This campaign is not open to all LemFi customers. Only those who meet the targeting criteria and receive official communication are eligible.

3. Prizes/Awards

At the end of the campaign, one qualified participant (representing one couple of two people) will win a €2000 Zanzibar travel voucher/package for a romantic trip for two.

The prize is awarded as a single voucher/package valued at €2000, redeemable in accordance with the terms provided by LemFi or the voucher issuer.

4. How to Enter and Win the Prize

• Send €1000 or more in a single transfer to Nigeria between 10th February 2026 and 20th February 2026.
• Eligible participants who complete a qualifying single transfer of €1000 or more to Nigeria during the campaign period will automatically enter the draw.
• Each qualifying single transfer of €1000 or more enters the participant into the prize draw.
• Multiple qualifying transfers during the campaign period will result in multiple entries into the draw.
• The winner will be randomly selected from all eligible entries.
• The winner (the selected couple) will be contacted within 7 working days after the campaign ends (by 27th February 2026).
• LemFi will make reasonable efforts to contact the winner using the contact information associated with their Valid LemFi Account.

5. Restrictions Applicable to Prizes, Awards, Winning

• Only single transfers of €1000 or more to Nigeria sent during the campaign period (10th–20th February 2026) qualify for entry. Cumulative transfers do not count towards the qualifying amount.
• The prize is for two people (one couple) only and is non-transferable, non-exchangeable, and cannot be redeemed for cash or alternative rewards.
• Prize eligibility requires a Valid LemFi Account and full compliance with these terms.
• The winner must provide any required information/documentation (e.g., identification, travel preferences) within the timeframe specified by LemFi to claim the prize. Failure to do so may result in disqualification and selection of an alternate winner.
• Travel dates, airlines, and other arrangements are subject to availability and the terms of the voucher issuer. LemFi does not guarantee specific travel dates or providers.

6. Limits on Referrals (if applicable)

This Promotion does not include referral-based rewards or require the use of referral codes. It is based purely on individual user transaction activity.

7. Receiving and Using Rewards

LemFi reserves the right to limit, cancel, delay, or revoke the prize if LemFi determines, in its sole discretion, that a Participant has violated these Terms or the LemFi User Agreement or has acted in a fraudulent or abusive manner, or if LemFi restricts or closes their Valid Account pursuant to the LemFi User Agreement.

LemFi may provide an alternate reward of equal value if it is unable for any reason to fulfill the prize as described. Prize fulfillment is final, will not be returned, and is subject to review and verification.

LemFi is not responsible and/or liable if any email, prize, or Program-related materials or correspondence are lost, fraudulent, abusive, stolen, late, incomplete, illegible, interrupted, delayed, altered, defective, misdirected, tampered with, or irregular in any way or if any participant's e-mail address, Valid Account, or other contact information does not work, is deleted, or is changed without Participant giving prior written notice to LemFi.

The Promotion is void where prohibited or if a Participant's accounts or transactions are fraudulent, abusive, not completed through legitimate channels, in violation of these Terms, or irregular in any other manner.

8. Limitation of Liability

8.1 TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTIONS, IN NO EVENT SHALL LEMFI BE LIABLE FOR ANY DAMAGES ARISING FROM PARTICIPATION IN THE CAMPAIGN, INCLUDING SPECIAL, INDIRECT, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES. LEMFI'S MAXIMUM LIABILITY SHALL BE LIMITED TO THE VALUE OF THE PRIZE (€2000).

9. Other Terms and Conditions

9.1 LemFi reserves the right to amend or terminate the Valentine's Giveaway – Trip to Zanzibar campaign at any time without notice.

9.2 If a participant breaches the User Agreement, violates laws, or engages in fraudulent behavior, LemFi may suspend or terminate the participant's account or void their entry/prize.

9.3 Any questions or complaints can be addressed to LemFi Customer Service: support@lemfi.com

10. Governing Law

For customers in Europe, this campaign is subject to the laws of the European Union (with specific application of the laws of the participant's country of residence where required), to which both the user and LemFi shall submit in respect of any claims or disputes.