Europe 12 Days of Giving Campaign

Terms and Conditions for LemFi’s Europe "12 Days of Giving" Campaign

These terms and conditions apply to all Participants involved in the Europe 12 Days of Giving Campaign.

Pomelo Technology US Inc. “LemFi”, (together with all subsidiaries thereof, the “Company”, “we”, “us”, “LemFi”, interchangeably) may offer referral programs or incentives for inviting Friends and Family or those with whom the Referrer has a personal relationship to use its services (a “Referral Program”). Any bonuses or incentives under such Referral Program are subject to this Referral Program Terms and Conditions (the “Terms & Conditions”), as available and amended at our sole discretion.

By participating in the LemFi 12 Days of Giving Campaign, you agree to the following Terms and Conditions. LemFi may at any time and at its sole discretion, terminate, cancel, suspend, withdraw or modify the campaign or these terms without prior notice. Please refer to the definitions below for clarification as to the meaning of various words and phrases under LemFI Terms and Conditions.

Definitions: (Key Terms)

Program/Promotion: The 12 Days of Giving campaign is open to users who make a single transfer of €250 or more to Nigeria during the campaign period - December 10 to December 21, 2025.

3. Prize: Winners will be selected randomly daily through a computerized draw system between December 10th and December 21st, 2025, corresponding to the specified prizes for each day.

Promotion Period: The campaign begins December 10, 2025, and ends on December 21, 2025, at 11:59 PM GMT.

Participant: The campaign is open to new and existing LemFi customers who make the qualifying single transfer of €250 or more to Nigeria within the campaign period.

Valid LemFi Account: Participants must reside in Europe, have a fully verified LemFi account, and comply with all of LemFi’s standard terms of service.

1. LemFi Campaign Period

You may participate in this campaign between December 10 and December 21, 2025, until Lemfi terminates, withdraws, suspends, or modifies it.

2. Eligibility to Participate

• This campaign is open to all LemFi users aged 18 years and above.
• Participants must reside in Europe, have a fully verified LemFi account and comply with all LemFi’s standard terms of service.
• Be selected by LemFi based on prior usage activity and receive a direct communication regarding this promotion.
• 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.

3. Prize Draws and Winners

• Winners will be selected randomly through a computerized draw system.
• Prizes will be awarded daily between December 10th and December 21st, 2025, corresponding to the specified prizes for each day.
• Winners will be announced daily on LemFi’s official social media pages and notified via email.
• Each participant can win only one prize in total throughout the campaign, regardless of the number of qualifying entries. Once a participant is selected as a winner, their subsequent entries will no longer be eligible for other prize draws.
• If a winner does not respond to the notification email within 7 (seven) days of the email being sent and received, LemFi reserves the right to disqualify the winner and select an alternate.

4. Prizes to be Won:

The prizes for the campaign are as follows:

5. Prize Conditions

• Prizes are non-transferable and cannot be exchanged for cash or any other prize under any circumstances.
• All prizes will be paid directly to third-party vendors (e.g., landlords, mortgage providers, event organizers, or service providers). Winners will not receive cash equivalents.
• Specific conditions may apply to certain prizes (e.g., event tickets, vouchers, or travel packages), and these conditions will be shared with the winners upon confirmation.
• By accepting a prize, winners agree that their relevant details (e.g., name, email, and contact information) may be shared with third-party vendors solely for the purpose of prize fulfillment. LemFi will ensure all personal details are handled in compliance with data protection laws.

6. Receiving and Using Rewards

LemFi reserves the right to limit, cancel, delay, or revoke Cashback if LemFi determines, in its sole discretion, that a Participant has violated these Terms or the LemFi User Agreement or has acted in a fraudulent or abusive manner, or if LemFi restricts or closes their Valid Account pursuant to the LemFi User Agreement.

Accrued cashback can only be used against any future international money transfers after such Signup Bonus and Points have been earned and granted and approved by LemFi.

7. LIMITATION OF LIABILITY

7.1. TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTIONS, IN NO EVENT SHALL LEMFI BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DAMAGES ARISING FROM YOUR PARTICIPATION IN THE REFERRAL 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 PARTICIPATE AND ANY THIRD PARTY UNDER ANY AND ALL CIRCUMSTANCES SHALL BE THEN-CURRENT 10 EURO VALUE OF THE PARTICIPANT’S UNSPENT MONETARY REWARD UNDER THE REFERRAL PROGRAM. .

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8. OTHER TERMS AND CONDITIONS

8.1. We reserve the right to amend or terminate the inactive users campaign at any time without notice. Resolution of all questions or disputes regarding eligibility for the campaign, earnings of cashback, or your compliance with the terms and conditions of this campaign Terms & Conditions shall be subject to our reasonable interpretation.

8.2 If a Participant breaches the User Agreement or is in violation of any law, statute or governmental regulation, we will have the right to suspend or terminate the account under the User Agreement or void the Rewards of the participant.

8.3 Any questions or complaints regarding the campaign can be addressed to our Customer Service Team: support@lemfi.com

9. GOVERNING LAW

European Customers- This campaign is subject to European laws to which the user and LemFi shall submit in respect of any claims or disputes.