HIGH VALUE REWARDS CAMPAIGN FOR EU SENDERS TO GHANA

HIGH VALUE REWARDS CAMPAIGN FOR EU SENDERS TO GHANA

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

These terms and conditions apply to all Participants involved in the LemFi High Value Rewards Campaign. By participating, you agree to these Terms and Conditions, the LemFi User Agreement, and any applicable reward policies. Participation does not guarantee a reward as availability is limited per tier. LemFi may, at its sole discretion, terminate, cancel, suspend, or modify the campaign or these terms where necessary and subject to law.

Definitions (Key Terms)

Program/Promotion: The "LemFi High Value Rewards Campaign" is a limited-time promotional offering for eligible customers residing in the EU who complete qualifying transfers to Ghana during the campaign period.

Reward: Eligible participants will earn reward points valued at €10, €25, €50, or €75 based on reaching the highest qualifying tier, subject to the winner limits defined in Section 3.

Promotion Period: The campaign begins on 27th July 2026 and ends on 16th August 2026 inclusive.

Participant: An existing LemFi customer who meets the eligibility criteria in Section 4 and completes the required qualifying transfers.

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

Qualifying Transfer: Successful and completed transfers sent to Ghana from a valid LemFi account during the promotion period; failed or reversed transactions are excluded.

Cumulative Qualifying Transfer Amount: The total principal volume of all successful Qualifying Transfers made by a participant during the campaign period, excluding fees and credits.

1. Campaign Period

The promotion runs from 27th July to 16th August 2026. LemFi's internal system records will determine the validity and timing of all transactions.

2. Eligibility to Participate

This campaign is open only to LemFi users who meet the following requirements:

• Participants must be aged 18 years and above.
• Participants must reside in an eligible EU country where LemFi supports transfers to Ghana.
• Participants must hold a Valid LemFi Account and comply with all standard service terms.
• Participants must reach at least the first qualifying tier during the Promotion Period.

The following individuals are not eligible:

• Employees, contractors, and affiliates of LemFi.
• Brand ambassadors, influencers, or those running paid promotional activity for LemFi.
• Anyone engaged in fraudulent activity or using multiple accounts.

3. Reward Tiers and Maximum Number of Winners

Rewards are assigned based on the highest tier achieved. Limits apply as follows:

Rewards are non-stackable; participants enter only the highest tier they reach. A single participant may claim only one reward under this campaign.

4. How to Qualify

To be considered for a reward, a Participant must:

• Complete Qualifying Transfers to Ghana between 27th July and 16th August 2026.
• Reach a cumulative principal transfer volume of at least €1,000.
• Ensure all transfers are successful and not later reversed or disputed.
• Maintain an active and valid LemFi account until the reward is credited.

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

5. Winner Determination and Notification

Internal records will be used to verify the highest tier reached by each participant. 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. All determinations by LemFi are final except in cases of manifest error.

6. Reward Crediting and Use

Rewards will be credited within a reasonable period following successful campaign validation. Points must be used in accordance with the terms and expiry dates communicated in-app. Rewards are personal and may not be sold or exchanged for cash. LemFi reserves the right to recover rewards if qualifying transactions are later reversed or disputed.

7. Restrictions

Transfers cannot be combined across different accounts to meet tier thresholds. This campaign cannot be merged with other LemFi promotions unless explicitly stated. No alternatives are provided unless a substitution is necessary and of equal value.

8. Verification, Fraud, and Disqualification

LemFi may verify identities and account eligibility, requesting further info where required. Rewards may be revoked for breaches of terms, fraud, or abusive account activity. Internal transaction records serve as final proof of eligibility and tier placement.

9. Changes, Suspension, or Termination

LemFi reserves the right to modify or terminate the campaign for regulatory, operational, or security reasons. Material changes will be communicated via appropriate channels and will not affect accrued rights except where necessary to prevent fraud or unlawful acts.

10. Limitation of Liability

10.1 LemFi is not liable for indirect or consequential damages resulting from campaign participation.
10.2 LemFi assumes no responsibility for failures due to factors outside its control, including network outages or incorrect participant data.
10.3 Nothing in these Terms limits liability that cannot be excluded by law, including mandatory consumer protections.

11. Other Terms and Conditions

11.1 All standard LemFi policies apply. In case of conflict regarding this campaign, these specific Terms shall prevail to the extent of the conflict.
11.2 Personal data will be handled in accordance with LemFi's Privacy Policy and applicable data laws.
11.3 Should any provision be found unenforceable, the remainder of the Terms shall remain in full effect.
11.4 Inquiries or grievances should be directed to LemFi Customer Service at support@lemfi.com.

12. Governing Law

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