TERMS AND CONDITIONS
Campaign “Africa Sept EOM Reactivation”
1. Introduction and Legal Scope
These Terms and Conditions define the rules applicable to the promotional campaign entitled “Africa Sept EOM Reactivation” (the “Campaign”).
The Campaign is organized 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;
- Pomelo Technology Canada Ltd, a company registered and regulated in Canada;
- RightCard Payment Services Limited, a company registered and regulated in the United Kingdom.
These entities operate collectively under the LemFi brand, in accordance with the laws and regulations applicable in their respective jurisdictions.
Participation in the Campaign constitutes full, complete, and unconditional acceptance of these Terms and Conditions.
2. Purpose of the Campaign
The purpose of the “Africa Sept EOM Reactivation” Campaign is to:
- Reactivate existing LemFi users across selected African markets who have been dormant for at least 60 days prior to the Campaign launch date;
- Encourage these users to resume using the LemFi application for international money transfers;
- Provide promotional credit to eligible users as part of the Campaign;
- Encourage eligible users to complete qualifying transfers in order to use their promotional credit; and
- Increase user activity and transaction volumes in selected African markets ahead of the end of September and Q4.
For the purposes of this Campaign, a user is considered “reactivated” when they meet the Campaign eligibility criteria and successfully complete a qualifying transfer after having been dormant for at least 60 consecutive days prior to the Campaign launch.
The Campaign is specifically focused on selected African markets as part of LemFi’s regional growth and user reactivation strategy ahead of Q4. It is therefore a targeted regional campaign and does not apply to all LemFi markets.
The Campaign is intended exclusively for eligible existing LemFi users and does not constitute a referral, prize draw, competition, or cash giveaway.
3. Campaign Duration and Communication Rounds
The Campaign will launch on September 25, 2026.
The Campaign will be communicated to eligible users through three (3) communication rounds:
Round 1 — September 25, 2026
Round 2 — September 28, 2026
Round 3 — September 30, 2026
Each communication round will consist of:
- One (1) email communication in English;
- One (1) email communication in French;
- One (1) push notification in English; and
- One (1) push notification in French.
The Campaign will end on October 1, 2026.
The promotional credit must be used by 11:59 PM on October 1, 2026, subject to the qualifying transaction requirements set out in these Terms and Conditions.
Any unused promotional credit remaining after the Campaign end date will expire and will no longer be available for use.
4. Languages
Campaign communications will be made available in:
- English; and
- French.
The language in which a participant receives a Campaign communication may depend on the language settings associated with their LemFi account or the applicable user segment.
5. Participant Eligibility
To be eligible to participate in the Campaign, a participant must:
- Be 18 years of age or older;
- Hold an existing LemFi account;
- Have a valid and verified LemFi account, where applicable;
- Have previously sent money with LemFi to a recipient in Nigeria, Ghana, Kenya, Tanzania, Uganda, Senegal, Cameroon, Côte d'Ivoire, Benin, Mali, Burkina Faso, Gabon or the Republic of the Congo (the "Eligible Markets");
- Have been dormant for at least 60 consecutive days prior to September 25, 2026;
- Receive or otherwise be identified as an eligible recipient of the Campaign; and
- Comply with these Terms and Conditions and all applicable LemFi terms of service.
For the purposes of this Campaign, dormancy means that the user has not completed any successful transfer through the LemFi application during the applicable 60-day period prior to the Campaign launch.
Eligibility may be determined based on the participant's account status, previous transaction activity, market, sending currency, and other applicable Campaign criteria.
Receipt of a Campaign communication does not necessarily guarantee eligibility for the promotional credit. Final eligibility will be determined based on LemFi's records and the conditions applicable to the Campaign.
6. Promotional Offer
Eligible participants will receive a promotional credit according to the currency associated with their eligible sending market.
The applicable promotional credit is:
Sending Currency / Promotional Credit
- EUR / €10
- CAD / CAD $10
- GBP / £10
The promotional credit is subject to the eligibility, qualifying transaction, and usage requirements set out in these Terms and Conditions.
The promotional credit is not transferable and cannot be exchanged for cash or any other benefit, except where required by applicable law.
7. How the Promotional Credit Can Be Used
The promotional credit is LemFi Cash. The LemFi Cash Programme Terms (available at https://lemfi.com/legal/lemfi-cash-terms) apply to it, except where these Terms and Conditions say otherwise, and it is not money or electronic money.
The promotional credit may only be used against qualifying transfers made through the LemFi application.
To use the promotional credit, the participant must complete a qualifying transfer of at least the following amount in the applicable sending currency:
Sending Currency / Minimum Transfer / Bonus Applied Per Transfer
- EUR / €50 / €5
- CAD / CAD $50 / CAD $5
- GBP / £50 / £5
The promotional credit is therefore applied in €5 / CAD $5 / £5 increments per qualifying transfer.
For example:
- A participant who receives a €10 promotional credit must complete two separate transfers of at least €50 each to use the full €10 credit.
- €5 of the promotional credit may be applied to the first qualifying €50+ transfer.
- The remaining €5 may be applied to a second qualifying €50+ transfer.
The same principle applies to CAD and GBP promotional credits.
A participant who receives a CAD $10 promotional credit, for example, may use CAD $5 against one qualifying transfer of at least CAD $50 and the remaining CAD $5 against a second qualifying transfer of at least CAD $50.
The promotional credit cannot be used in an amount greater than the applicable €5 / CAD $5 / £5 per qualifying transfer.
8. Promotional Credit Validity and Expiry
The promotional credit will be available to eligible participants during the Campaign period.
All promotional credit must be used no later than October 1, 2026 at 11:59 PM, applicable to the participant's relevant local time or as otherwise specified by LemFi.
Any unused portion of the promotional credit remaining after the Campaign end date will automatically expire.
For the avoidance of doubt, a participant who has received a €10, CAD $10 or £10 promotional credit but has only used one €5, CAD $5 or £5 portion before the Campaign end date will forfeit the remaining unused portion after October 1, 2026.
No extension of the promotional credit validity period will be provided unless expressly determined by LemFi.
9. Qualifying Transactions
For a transaction to qualify for use of the promotional credit, the participant must:
- Complete the transfer through the LemFi application;
- Send a minimum of €50, CAD $50, £50, depending on the applicable sending currency;
- Successfully complete the transfer during the Campaign period;
- Use an eligible sending currency; and
- Comply with LemFi's applicable terms, conditions, and transaction requirements.
- Send the transfer to a recipient in an Eligible Market
Transfers that are cancelled, reversed, refunded, failed, fraudulent, or otherwise invalid will not qualify.
Each qualifying transfer may unlock or use one promotional credit increment of €5, CAD $5, £5 as applicable.
A minimum transfer of €50, CAD $50, £50 does not result in the participant receiving an additional €5, CAD $5, £5 promotional credit. The €5, CAD $5, £5 represents the portion of the promotional credit that may be applied to that qualifying transfer.
10. Promotional Credit Conditions
The promotional credit:
- Is intended solely for the eligible participant;
- Is non-transferable;
- Cannot be sold, assigned, or transferred to another person;
- Cannot be exchanged for cash;
- Cannot be exchanged for another currency or promotional benefit;
- May not be combined with another promotional offer unless expressly permitted by LemFi; and
- Is subject to the Campaign expiry date of October 1, 2026.
The promotional credit may only be applied to qualifying transfers meeting the requirements set out in these Terms and Conditions.
11. Campaign Segmentation and Targeting
The Campaign is targeted at selected existing LemFi users across eligible African markets.
Participants may be segmented according to factors including, but not limited to:
- Previous transaction activity;
- User inactivity;
- Country or market;
- Sending currency;
- Account status;
- Previous use of the LemFi application; and
- Eligibility for a specific promotional offer.
Not all LemFi users will necessarily receive the Campaign communications or be eligible for the promotional credit.
LemFi reserves the right to determine the eligible user segments for each communication round.
12. Multiple Campaign Communications
Eligible participants may receive communications during one or more of the three Campaign rounds.
Receiving multiple communications does not entitle a participant to receive multiple promotional credits unless expressly stated in the applicable offer.
Each eligible participant is limited to the promotional credit specified in their applicable Campaign offer.
Subsequent Campaign communications do not create an additional entitlement to another promotional credit.
13. Fraud, Abuse, and Disqualification
LemFi reserves the right to withhold, cancel, or reverse a promotional credit where it reasonably determines that a participant has:
- Engaged in fraud or attempted fraud;
- Attempted to manipulate or abuse the Campaign;
- Provided false or misleading information;
- Created or used multiple accounts for the purpose of obtaining multiple promotional benefits;
- Used the Campaign in violation of LemFi's terms of service;
- Engaged in transactions that appear suspicious, unauthorized, or otherwise invalid; or
- Breached these Terms and Conditions.
Any promotional credit issued as a result of fraudulent, abusive, reversed, or otherwise invalid activity may be revoked.
No compensation shall be due where a promotional credit is cancelled or withheld as a result of fraud, abuse, or non-compliance.
14. Personal Data
Personal data processed in connection with the Campaign may be used for purposes including:
- Identifying eligible participants;
- Managing Campaign communications;
- Verifying qualifying transactions;
- Applying promotional credits;
- Preventing fraud and abuse; and
- Complying with applicable legal and regulatory requirements.
Personal data will be processed in accordance with LemFi's applicable privacy policy and relevant data protection legislation.
15. Limitation of Liability
LemFi shall not be held liable for:
- Technical failures, interruptions, or temporary unavailability of the LemFi application;
- Delays caused by circumstances beyond LemFi's reasonable control;
- Failed, reversed, or delayed transactions resulting from circumstances outside LemFi's control;
- A participant's failure to satisfy the Campaign eligibility requirements; or
- A participant's failure to complete a qualifying transaction within the Campaign period.
Nothing in these Terms and Conditions excludes or limits liability where such exclusion or limitation is prohibited by applicable law.
16. Modification, Suspension, or Cancellation
LemFi reserves the right to modify, suspend, extend, or cancel the Campaign where reasonably necessary, including in cases of:
- Fraud or suspected abuse;
- Technical issues;
- Regulatory requirements;
- Force majeure;
- Changes to the availability of the promotional offer; or
- Other circumstances beyond LemFi's reasonable control.
Any material changes to the Campaign will be communicated where required by applicable law.
17. Applicable Terms
Participation in the Campaign remains subject to the applicable LemFi Terms of Service, privacy policy, and other applicable policies and requirements governing the use of the LemFi application.
Where there is a conflict between these Campaign Terms and applicable mandatory legal requirements, the mandatory legal requirements shall prevail.
These Terms and Conditions are governed by the same law, and subject to the same courts, as your LemFi Terms of Service. This does not affect any mandatory rights you have under the law of your country of residence.
18. Contact
For any questions relating to the Campaign, participants may contact LemFi through:
support@lemfi.com
@UseLemFi or @UseLemFi.fr on Instagram, Facebook, and TikTok
Campaign Name: Africa Sept EOM Reactivation
Launch Date: September 25, 2026
Campaign End Date: October 1, 2026
Communication Rounds: September 25, September 28 & September 30, 2026
Languages: English & French
Channels: Email & Push Notification
Promotional Credit: €10 / CAD $10 / £10
Minimum Qualifying Transfer: €50 / CAD $50 / £50
Credit Applied Per Qualifying Transfer: €5 / CAD $5 / £5
