HIGH VALUE REWARDS CAMPAIGN FOR UK SENDERS TO GHANA

HIGH VALUE REWARDS CAMPAIGN FOR UK SENDERS TO GHANA

TERMS AND CONDITIONS FOR THE UK – GHANA HIGH-VALUE REWARDS CAMPAIGN

These terms and conditions apply to the LemFi High Value Rewards Campaign. By participating, you agree to these Terms and Conditions, the LemFi User Agreement, and any applicable reward points terms. Participation does not guarantee a Reward, as available prizes in each tier are limited. LemFi may at its discretion amend, suspend, or terminate the campaign where necessary.

Definitions (Key Terms)

Program/Promotion: The "LemFi High Value Rewards Campaign" is a limited-time offering where eligible UK-based customers may earn Rewards by completing qualifying transfers to Ghana during the promotional period.

Reward: LemFi Cashback valued at £10, £25, £50, or £75, based on the qualifying tier reached and subject to the maximum winner limits.

Promotion Period: The campaign begins on 27 July 2026 and concludes on 16 August 2026 (inclusive).

Participant: An eligible customer who satisfies the criteria in Section 4 and completes one or more Qualifying Transfers.

Valid LemFi Account: A fully verified, active account that is unrestricted and not flagged for fraud or breach of the User Agreement.

Qualifying Transfer: A successful transfer to Ghana initiated via a Valid LemFi Account during the promotion period. Failed or cancelled transactions do not qualify.

Cumulative Qualifying Transfer Amount: The total principal volume of all Qualifying Transfers made during the Promotion Period, excluding any fees or credits.

1. Campaign Period

The campaign runs from 24th July 2026 to 16th August 2026. LemFi's internal timestamps will determine the eligibility of all completed transfers.

2. Eligibility to Participate

Participation is open to LemFi customers meeting the following conditions:

• Participants must be aged 18 years or older and reside in the United Kingdom.
• Users must maintain a Valid LemFi Account and comply with all standard terms of service.
• Participants must reach at least the first qualifying tier through Qualifying Transfers.

The following are not eligible to participate:

• Employees, contractors, and affiliates of LemFi.
• LemFi brand ambassadors, influencers, or those running paid promotional activity.
• Individuals engaging in fraudulent activity or using multiple accounts.

3. Reward Tiers and Maximum Number of Winners

Reward tiers are assigned based on the highest Cumulative Qualifying Transfer Amount reached.

Rewards are not cumulative; only the highest tier reached will apply.

Participants are limited to one (1) Reward under this campaign.

4. How to Qualify

To be considered for a Reward, Participants must:

• Complete Qualifying Transfers to Ghana during the defined Promotion Period.
• Reach a Cumulative Qualifying Transfer Amount of at least £1,000.
• Ensure all transactions are successful and not subject to cancellation or reversal.
• Maintain a Valid LemFi Account until the Reward has been credited.

Qualifying volume can be met across multiple transactions. Eligible participants are entered automatically unless otherwise stated.

5. Winner Determination and Notification

LemFi will determine the highest qualifying tier for each participant using internal records.

Winners will be selected at random from all eligible participants within each tier after the Promotion Period has ended. The maximum number of winners for each tier will be limited to the number stated in these Terms and Conditions.

Winners will be notified via the email associated with their LemFi account.

LemFi's final determinations are conclusive, barring manifest errors.

6. Reward Crediting and Use

Rewards will be credited to eligible accounts within 5 working days after the promotion ends.

Rewards are personal and non-transferable, and cannot be exchanged for cash.

LemFi may revoke Rewards if Qualifying Transfers are subsequently reversed or disputed.

7. Restrictions

Activity cannot be combined across different LemFi accounts or shared between persons.

Substitute Rewards will only be provided if LemFi deems it necessary and of equivalent value.

8. Verification, Fraud, and Disqualification

LemFi may verify account eligibility and request supporting data where necessary.

Rewards may be revoked if a Participant breaches these terms or engages in abusive behavior.

LemFi's transaction history is the final record for determining eligibility and qualifying tiers.

9. Changes, Suspension, or Termination

LemFi reserves the right to terminate, suspend, or modify the campaign and these Terms for regulatory or operational reasons. Significant changes will be communicated via the LemFi app or email. Such actions will not impact rights already accrued except to prevent unlawful activity.

10. Limitation of Liability

10.1 LemFi is not liable for indirect or consequential damages resulting from participation in the campaign, to the extent permitted by law.

10.2 LemFi is not responsible for disruptions caused by factors beyond its control, such as network outages or incorrect information provided by Participants.

10.3 Nothing in these Terms limits liability that cannot be legally excluded, including mandatory consumer rights.

11. Other Terms and Conditions

11.1 The Privacy Policy and User Agreement continue to apply. These Terms prevail only in the event of a specific conflict related to this campaign.

11.2 Personal data for campaign administration will be processed in accordance with applicable data protection laws.

11.3 If any part of these Terms is deemed unenforceable, the remaining provisions remain valid.

11.4 Inquiries can be directed to LemFi Customer Service at support@lemfi.com.

12. Governing Law

For customers in the UK, this campaign is subject to the laws of United Kingdom, to which both the user and LemFi shall submit in respect of any claims or disputes.