Terms and Conditions for LemFi's USA Affiliate Programme – 2026
NO PURCHASE NECESSARY. A purchase of any kind will not increase your chances of earning rewards. This Affiliate Programme is offered by Pomelo Technology US Inc. ("LemFi"). These terms and conditions apply to all Participants involved in the LemFi USA Affiliate Programme. This programme is operated in compliance with applicable US federal and state financial services regulations, including guidelines relevant to money services businesses, FinCEN regulations under the Bank Secrecy Act, and consumer financial protection standards.
Definitions (Key Terms)
Programme/Promotion: The LemFi USA Affiliate Programme is a performance-based affiliate initiative targeting individuals with community reach, influence, or networks within the United States with a primary focus on the Nigerian diaspora community who are able to drive new user sign-ups and first transactions on the LemFi platform.
Promotion Period: The programme is active from the date of the Affiliate's signed engagement agreement and operates on a monthly renewable basis, subject to performance review at the end of each engagement month.
Participant/Affiliate: Any individual who has submitted a completed registration form, been formally selected by LemFi, signed the Affiliate engagement agreement, and received a unique LemFi referral code. Participation is by invitation and selection only.
Valid LemFi Account: Affiliates must have a fully verified LemFi account in good standing and must comply with all of LemFi's standard Terms of Service and applicable anti-money laundering (AML) and know-your-customer (KYC) requirements.
Qualifying Sign-Up: A new LemFi user who registers on the LemFi platform using the Affiliate's unique referral code, resides in the United States, and has no prior LemFi account.
Qualifying Transacting Referral: A Qualifying Sign-Up who successfully completes a minimum single money transfer of $100 or more from their LemFi account to any eligible recipient (other than themselves) within 30 calendar days of sign-up, in compliance with LemFi's General Terms and Conditions of Services.
1. Programme Period
You may participate in this programme from the date of your signed engagement agreement until LemFi terminates, withdraws, suspends, or modifies the programme, or until your engagement is not renewed following a monthly performance review.
LemFi reserves the right to modify, suspend, or terminate the programme at any time. Where material changes are made, LemFi will provide at least 7 days' written notice to enrolled Affiliates. Qualifying referrals completed before the effective date of any change will be honoured under the terms in force at the time of completion.
2. Eligibility to Participate
This programme is open to individuals who meet all of the following criteria:
- Aged 18 years and above.
- Resident in the United States or with demonstrable community reach within the United States, particularly within the Nigerian diaspora community.
- In possession of a fully verified LemFi account in good standing, compliant with all applicable KYC and AML verification requirements.
- Formally selected by LemFi following submission of a completed registration form.
The following individuals are not eligible to participate:
- Employees, contractors, and direct affiliates of LemFi or Pomelo Technology US Inc.
- Individuals currently engaged in a separate paid promotional, ambassador, or influencer campaign on behalf of LemFi.
- Individuals who have been previously terminated from any LemFi affiliate or ambassador programme for cause.
This programme is only open to individuals who receive official written communication from LemFi confirming their selection. Self-enrolment is not permitted.
3. Affiliate Compensation
Eligible Affiliates will receive the following compensation structure during each active engagement month:
(a) Monthly Base Retainer — Sliding Scale
Base pay is not a flat fee. It is determined by the total number of Qualifying Sign-Ups generated by the Affiliate during the engagement month, as follows:
- 0–19 sign-ups (reviewed at Day 14 of the engagement month): $0 — Affiliate dropped. No compensation payable. See Section 5.
- 20–34 sign-ups: $50 partial base pay.
- 35–49 sign-ups: $100 base pay.
- 50 or more sign-ups (on target): $200 full base pay.
(b) Per Transacting Referral Bonus
Affiliates will receive $10 for each Qualifying Transacting Referral generated during the engagement month. This bonus is payable in addition to the base retainer and applies to all qualifying referrals regardless of the base tier the Affiliate is in. Non-transacting sign-ups do not earn the per-referral bonus but do count toward the Affiliate's total sign-up count for base pay tier purposes.
(c) Milestone Bonus
Where an Affiliate exceeds the 50 sign-up target in a given engagement month, a milestone bonus is payable based on the highest threshold reached. The milestone bonus is based solely on the highest threshold reached in the month. Only one milestone payment applies per engagement month.
- 60 or more sign-ups: +$30
- 75 or more sign-ups: +$50
- 100 or more sign-ups: +$75
- 150 or more sign-ups (Elite): +$100
All compensation will be paid to the Affiliate's nominated US bank account or LemFi account within 14 days of the end of the engagement month, following verification of qualifying referrals by LemFi. Compensation is non-transferable and has no cash value outside of the amounts specified in this section.
4. How to Earn
Register: Be formally selected by LemFi and sign the Affiliate engagement agreement prior to the commencement of the engagement month.
Refer: Promote LemFi to eligible new users within your network using only the unique referral code provided by LemFi. Referral codes must not be shared on unapproved platforms or channels.
Convert: Encourage referred users to complete their registration on the LemFi app and make their first qualifying transfer of $100 or more within 30 days of sign-up.
Report: Submit a weekly check-in report to the designated LemFi contact, including sign-up counts, outreach activities, and any issues encountered.
Earn: Compensation is calculated at the end of the engagement month based on verified sign-up counts and qualifying transactions, and paid within 14 days of month-end.
5. Two-Week Performance Gate and Early Termination
All Affiliates are subject to a mandatory performance review at Day 14 of each engagement month.
An Affiliate who has generated fewer than 20 Qualifying Sign-Ups by Day 14 will be terminated from the programme. In such cases, no compensation of any kind — including base pay, per-referral bonuses, or milestone bonuses — will be payable, regardless of the number of qualifying transactions generated prior to termination.
By registering for the programme and accepting all terms and conditions, the Affiliate acknowledges and accepts these terms unconditionally.
6. Restrictions Applicable to Compensation
- Compensation is only applicable to Qualifying Sign-Ups and Qualifying Transacting Referrals generated through the Affiliate's unique referral code during the active engagement month.
- The per-referral transacting bonus applies to the first qualifying transaction only per referred user. Subsequent transactions by the same referred user do not generate additional bonuses.
- A referred user who is an existing LemFi customer, or who has previously used the LemFi Service, does not constitute a valid referral and no compensation will be payable in respect of that user.
- Only one LemFi account registration per referred user will be accepted.
- Compensation is non-transferable, non-refundable, and may not be exchanged for any other award or form of payment.
- This programme is only applicable to referred users who reside in the United States and transact on the LemFi platform in compliance with applicable US law.
7. Receiving and Using Compensation
LemFi reserves the right to limit, cancel, delay, or revoke compensation if LemFi determines, in its sole discretion, that an Affiliate has:
- Violated these Terms or the LemFi User Agreement;
- Acted in a fraudulent, deceptive, or abusive manner;
- Used automated tools, bots, or artificial means to generate sign-ups or referrals;
- Made false or misleading representations about LemFi's products or services;
- Shared their referral code on platforms or channels not approved by LemFi; or
- Had their Valid LemFi Account restricted or closed pursuant to the LemFi User Agreement.
Compensation will only be awarded following successful verification of qualifying referrals and transactions by LemFi. LemFi reserves the right to claw back compensation where referrals are subsequently found to be fraudulent or in breach of these terms.
8. Disqualification Criteria
Affiliates may be disqualified and all accrued compensation forfeited for the following reasons:
- Failure to meet the Day 14 performance gate threshold (fewer than 20 sign-ups). See Section 5.
- Cancellation or reversal of a referred user's qualifying transaction, which will void the associated referral and bonus.
- Engaging in fraudulent activity, including but not limited to:
- Creating fraudulent or duplicate accounts for referred users.
- Manipulating transactions or sign-ups to claim compensation unfairly.
- Providing false information during the registration, verification, or reporting process.
- Breach of any obligation set out in these Terms or the LemFi User Agreement.
- Conduct that is harmful to LemFi's reputation or brand.
9. Financial Services Compliance and Consumer Protection
LemFi is a licensed money services business registered with FinCEN and operating under applicable US federal and state financial services regulations. In connection with this programme, the following compliance obligations apply to all Affiliates:
9.1. Affiliates must not make any representations about LemFi's exchange rates, transfer fees, or transaction terms that are inaccurate, misleading, or inconsistent with the disclosures provided in the LemFi App at the time of transaction. All consumer-facing representations about LemFi's pricing must reflect actual in-app rates and must comply with the Consumer Financial Protection Bureau (CFPB) remittance transfer disclosure requirements under the Electronic Fund Transfer Act (EFTA).
9.2. Affiliates must not engage in any conduct that could be construed as unlicensed money transmission, solicitation of funds, or financial advice. Affiliates are independent promoters only and have no authority to act on behalf of LemFi in any financial, legal, or regulatory capacity.
9.3. LemFi is required to comply with the Bank Secrecy Act (BSA), applicable Anti-Money Laundering (AML) regulations, and Know Your Customer (KYC) requirements enforced by FinCEN. Affiliates must not assist, encourage, or facilitate any referred user in circumventing LemFi's identity verification, sanctions screening, or compliance processes.
9.4. Affiliates must not target, solicit, or onboard referred users on behalf of LemFi in any US state or territory where LemFi does not hold the applicable money transmitter license or is otherwise not authorised to operate.
9.5. Any Affiliate who becomes aware of suspected fraudulent activity, money laundering, terrorist financing, or other financial crime in connection with their referrals must report this immediately to LemFi at support@lemfi.com.
9.6. LemFi's obligations to referred users under applicable US consumer financial protection law — including CFPB remittance transfer rules, error resolution rights under Regulation E, and applicable state money transmission consumer protections — are not modified or limited by the existence of this Affiliate Programme.
9.7. Affiliates must not make any false or misleading statements regarding FDIC insurance, the safety of funds held on the LemFi platform, or the regulatory status of LemFi. Any queries from referred users regarding regulatory protections must be directed to LemFi directly.
10. Limitation of Liability
10.1. TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTIONS, IN NO EVENT SHALL LEMFI BE LIABLE TO THE AFFILIATE OR ANY THIRD PARTY FOR ANY DAMAGES ARISING FROM THE AFFILIATE'S PARTICIPATION IN THIS PROGRAMME, INCLUDING BUT NOT LIMITED TO SPECIAL, INDIRECT, INCIDENTAL, PUNITIVE, AND/OR CONSEQUENTIAL DAMAGES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. LEMFI'S MAXIMUM AGGREGATE LIABILITY TO THE AFFILIATE UNDER ANY AND ALL CIRCUMSTANCES SHALL BE LIMITED TO THE TOTAL VERIFIED COMPENSATION EARNED BY THE AFFILIATE IN RESPECT OF THE RELEVANT ENGAGEMENT MONTH. FOR THE AVOIDANCE OF DOUBT, WHERE AN AFFILIATE IS TERMINATED UNDER SECTION 5 (TWO-WEEK PERFORMANCE GATE), LEMFI'S LIABILITY IS $0.
11. Other Terms and Conditions
11.1. We reserve the right to amend or terminate this programme at any time. Where material changes are made, LemFi will provide at least 7 days' written notice to enrolled Affiliates. Resolution of all questions or disputes regarding eligibility, compensation, or compliance with these terms shall be subject to LemFi's reasonable interpretation.
11.2. If an Affiliate breaches these Terms, the LemFi User Agreement, or is in violation of any applicable US federal or state law, statute, or governmental regulation, LemFi will have the right to suspend or terminate the engagement and void all accrued compensation of the Affiliate.
11.3. All personal data collected in connection with this programme shall be processed in accordance with LemFi's Privacy Policy, available at lemfi.com, and applicable US data protection laws.
11.4. Any questions or complaints regarding this programme can be addressed to our Customer Service Team: support@lemfi.com
12. Governing Law
USA Customers — This Affiliate Programme is subject to the laws of the United States of America. LemFi's US operations are conducted by Pomelo Technology US Inc., registered as a Money Services Business with the Financial Crimes Enforcement Network (FinCEN). All Affiliates and referred users operating under this programme submit to the jurisdiction of the applicable US federal and state courts in respect of any claims or disputes. Nothing in these terms limits any rights or protections afforded to consumers under applicable US federal or state law, including CFPB regulations and applicable state money transmitter statutes.
