LEMFI EUROPE - GHANA CREDIT CAMPAIGN
Terms and Conditions for Europe - Ghana Credit Campaign - March 2026
These Terms and Conditions ("Terms") govern your participation in the LemFi Ghana Credit Campaign ("Campaign") and the earning, receiving, conversion, or redemption of LemFi Reward Points ("LemFi Points") awarded under this Campaign.
LemFi Points are offered by Pomelo Technology US Inc., a Delaware corporation, and Pomelo Two LLC (collectively, "LemFi", "we", "our" or "us"), a Delaware limited liability company. LemFi Points are not affiliated with, issued, or serviced by Community Federal Savings Bank.
These Terms apply to all LemFi customers ("LemFi Customer(s)", "user(s)", "you", "your") participating in the Campaign and who earn, use, redeem, or convert LemFi Points. These Terms are supplemental to, and must be read together with, the current applicable LemFi Customer Terms ("Customer Terms").
1. Campaign Period:
The Campaign begins on March 6th, 2026, and ends on March 31st, 2026, at 11:59 PM EST ("Campaign Period").
2. Eligibility:
The Campaign is open only to individuals who:
- are eighteen (18) years of age or older;
- are residing in the European Union;
- have not successfully completed a transfer with LemFi prior to the Campaign ("New User");
- signed up for a LemFi account between October 23, 2022 and February 24, 2026;
- successfully complete identity verification (KYC) and activate their LemFi account;
- received marketing communication directly from LemFi regarding this Campaign;
- complete a qualifying transfer to Ghana during the Campaign Period.
LemFi reserves the right to verify eligibility at any time.
3. How to Participate:
New User Reward
Eligible New Users will receive €5 in LemFi Reward Points which will be applied to the user's LemFi account prior to completing their first international money transfer during the Campaign Period.
- LemFi Reward Points may be applied toward the user's first successful transfer.
- The first transfer must be successfully completed and must not be canceled, reversed, or refunded.
- If the first transfer is canceled, reversed, refunded, or fails for any reason, the LemFi Reward Points will be voided.
Reward Points Validity
The €5 LemFi Reward Points awarded under this Campaign are valid for thirty (30) days from the date they are credited. Unused LemFi Reward Points awarded under this Campaign will expire automatically after the 30-day validity period and cannot be reinstated.
4. Disqualification Criteria:
Participants may be disqualified for the following reasons:
- If a LemFi user cancels, reverses, or refunds their transaction;
- If a LemFi user violates these Terms or the Customer Terms;
- LemFi reserves the right to disqualify any participant engaging in fraudulent activity, including but not limited to:
- Creating fraudulent accounts;
- Manipulating transactions to claim rewards unfairly.
5. LemFi Points
5.1 What are LemFi Points?
The LemFi Points are promotional reward points that you may earn, convert, or redeem for a specified monetary value toward future international money transfers made through LemFi, at LemFi's sole discretion, after completing the qualifying activities as defined in these Terms or applicable promotional campaign terms.
5.2 What are not LemFi Points:
LemFi Points are not property, money, or currency; have no cash or monetary value unless expressly specified by LemFi; are not accepted by third parties; and do not constitute a financial product, account balance, electronic wallet balance, or payment instrument.
5.3 Redeeming LemFi Points
LemFi Points may be redeemed only toward future international money transfers of more than €1 to the LemFi approved countries, provided you have sufficient LemFi Points. LemFi Points do not expire, unless otherwise expressly stated in a specific campaign. Where expiration or conditions apply, they will be clearly disclosed in the applicable promotional campaign terms. Failure to meet Campaign requirements will result in LemFi Points not being awarded.
6. Suspension, Termination, and Corrections
- LemFi may suspend or terminate your participation if you breach these Terms or the Customer Terms;
- LemFi may withdraw or cancel LemFi Points at its sole discretion, without prior notice, if fraud or abuse is suspected;
- LemFi reserves the right to correct errors or reverse invalid LemFi Points at its sole discretion; and
- Where LemFi Points have been redeemed but were granted in error, LemFi may withhold future LemFi Points of equivalent value or quantity.
7. Disputes Resolution
Any dispute arising from this Campaign will be handled in accordance with the dispute resolution provisions, including arbitration, contained in the Customer Terms.
8. Taxation
You are solely responsible for any tax obligations arising from your participation in the Campaign.
9. Privacy
Your personal information may be shared with Pomelo Technology US Inc., and Pomelo Two US LLC group entities as permitted by law. Please visit and review our Privacy Notice for further information.
10. Complaints
If you have any questions or complaints, please contact:
customersupport@lemfi.com or complaints@lemfi.com
11. General Exclusions & Liability
LemFi is not responsible for delays or failures caused by events beyond its reasonable control.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEITHER LEMFI NOR ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, SUBCONTRACTORS, AGENTS, SUCCESSORS, OR ASSIGNS SHALL BE LIABLE TO ANY LEMFI CUSTOMER OR ITS REPRESENTATIVES UNDER THESE TERMS (WHETHER IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, IN LAW OR EQUITY, OR OTHERWISE) FOR LOST PROFITS OR ANY INDIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES OF ANY KIND, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
These Terms may be updated at any time without prior notice. The most current version will be available on LemFi's website.
12. GOVERNING LAW
EU Customers - Any disputes or claims arising under these terms and conditions shall remain subject to EU laws to which the participant, the Invitee and LemFi submit in accordance with the laws of the European Union.
