Campaign Overview

The "Refer 2 Friends and win $200 worth of gift vouchers" campaign is organized by LemFi (the "Organizer"). By participating in this campaign, the participants agree to the following terms and conditions.

1. Campaign Period:

The campaign begins on July 1st, 2025 and ends on December 31st, 2025 at 11:59 PM EST.

2. Eligibility Criteria to Participate in the Lucky Draw:

• You, as the Referrer, must be an existing LemFi customer and living within Canada.
• You must use your own unique Referral code to invite your friends who live in Canada to download, sign up, and use LemFi.
• Referred friends must be new LemFi users who have never signed up or transacted before through LemFi.
• The Referred Friend must be based in Canada and at least 18 years old.
• Once the Referred Friend(s) have downloaded the LemFi App, they must successfully transfer $100 (“Qualifying Transfer”) or more to a South Asian country in a single transaction during the Campaign Period.

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.
• Individuals found to be abusing the referral system by creating multiple accounts or engaging in fraudulent activity.

3. How to Participate:

To earn a $200 gift card/voucher, LemFi's existing user must:

• Refer at least two friends who comply with the Eligibility Criteria.

4. How Does the Lucky Draw Work:

• Share Your Referral Code: Use your in-app LemFi referral link or referral code.
• Refer Friends: Invite friends who live in Canada and want to send money home.
• Friends Sign Up & Send: Each referred friend must sign up and send at least $100 using LemFi.
• Earn Your Cashback: $20 for 1 friend.
• Enter the Draw: You enter the draw for a $200 gift card when 2 successful referred friends complete their qualifying transfers.
• Online Announcement Date: Every Friday of the month.
• Gift Voucher Winners: Winner shoutouts on our social media — with winning referral codes published online.
• $200 Gift Card/Voucher Distribution: Prizes will be sent digitally via Cardly.com or directly through the LemFi wallet.

5. Disqualification Criteria:

Participants may be disqualified for the following reasons:

• Self-referrals (creating multiple accounts to benefit from the campaign) are strictly prohibited.
• If a referred user cancels or reverses their transaction, the reward will be voided.
• LemFi reserves the right to disqualify any participant engaging in fraudulent activity, including but not limited to:
  • Creating fake accounts
  • Sharing referral codes unauthorized or through spam
  • Manipulating transactions to claim rewards unfairly

6. Privacy and Consent:

Personal data collected during the campaign will be used solely for the purposes of administering the campaign and will not be shared with third parties without consent.

7. General Terms:

• LemFi reserves the right to modify, suspend, or terminate the campaign at any time without prior notice.
• LemFi will not be responsible for technical issues, internet outages, or other circumstances that may prevent participation.
• By participating, entrants agree to indemnify LemFi against any claims arising from their participation.

8. Contact Information:

For inquiries about the campaign, please contact LemFi customer support at support@lemfi.com.