Refer and Earn Campaign for Europe Senders to Indian

Terms and Conditions for LemFi's Refer and Earn Campaign

If you are participating in the promotion for LemFi Salary Week Refer and Earn campaign, please read these Terms & Conditions carefully. Your participation in this promotion is subject to your acceptance of the Terms & Conditions below. If you do not accept these Terms & Conditions, please do not participate in this promotion.

Definitions: (Key Terms)

Promotion Title: LemFi Salary Week Refer and Earn Campaign for senders to India

This promotion is for customers sending money to India from the Eurozone. Customers will earn €10 additional per referral, if they fulfill the qualifying criteria. The winners of the campaign will be picked at random, so the more you refer, the better your chances of getting the additional bonus for your referral.

The additional referral earning will be capped at €50 per person. This is in addition to the €10 referral reward received in the app.

Qualifying Criteria: To qualify for the additional €10 reward, the Referred Friend must successfully complete a single, one-time transfer of a minimum of €100 between 25th June to 30th June, 2026.

Promotion Period: 25th June to 30th June, 2026

The promotion details, including the Refer and Earn rewards, are consistent across all advertising materials, social media posts, and official communications related to this campaign. The selection of customers eligible for the referral reward will be subject to LemFi's sole discretion without recourse to dispute or legal action.

1. To be eligible for the Promotion, you must:

• The offer is valid for LemFi users in the Eurozone only who send money to India, during 25th to 30th June, 2026.
• The user must refer one or more customers to transact between the promotion period to earn the additional €10 referral reward.
• The referred friend must successfully complete a single, one-time transfer of €100 between 25th June to 30th June.
• The user must complete the full KYC (Know Your Customer) verification process.
• The offer applies to transfers initiated from the Eurozone to India.
• You must have a valid LemFi Account.
• Customers participating in the offer must comply with LemFi's general Terms of Service.

2. Valid LemFi Account

For the purposes of this promotion, a Valid LemFi Account refers to a customer account that meets all of the following criteria:

• The account is fully registered and active on the LemFi platform.
• The customer has completed all required identity verification (KYC) steps as mandated by LemFi and relevant regulatory authorities.
• The account is unrestricted and in good standing, with no holds, suspensions, or closures due to suspicious, fraudulent, or abusive activity.
• The account is eligible to perform international money transfers according to LemFi's policies.

Only transactions and activities conducted through a Valid LemFi Account will qualify for participation in this promotion, including eligibility for rewards such as cashback, points, or referral bonuses. LemFi reserves the right to determine, at its sole discretion, whether an account qualifies as Valid for the purposes of this promotion.

3. Entities Responsible for Promotion

Depending on your country of registration, the Promotion is operated by:

Ireland: POMELO REMITS EUROPE LTD

By participating in this promotional offer, you agree to the following:

4. Promotional Offer Details

Competitive Exchange Rates:

• LemFi strives to offer competitive exchange rates for international money transfers.
• Exchange rates are subject to real-time fluctuations and are determined at the time the transfer is initiated and confirmed.
• Any claim of "Best or Competitive Exchange Rate" is based on internal assessments and comparisons at the time of promotion and may not reflect all available rates across the market.

Fast Transfers:

• Transfer times may vary depending on the destination country, receiving institution, local regulations, transaction value, and additional verification requirements.
• While many transfers are completed within minutes, LemFi makes no guarantees on specific delivery times and is not liable for delays caused by third-party service providers, regulatory actions, technical issues, or force majeure events.

5. Cashback Terms

• Cashback rewards are credited to the customer's LemFi wallet and may only be used for future transactions within the platform.
• Cashback cannot be transferred to external bank accounts, exchanged for cash, or redeemed outside the LemFi platform.
• Cashback eligibility may be revoked in cases of suspected fraud, chargebacks, abuse of the offer, or breach of LemFi's Terms of Service.
• Only one cashback reward per user, household, or device/IP address, unless otherwise authorized in writing by LemFi.

6. LemFi Promotion and Reward Terms

LemFi reserves the right, at its sole discretion, to limit, delay, cancel, or revoke any cashback or other rewards if it determines that a Participant has violated these Terms, the LemFi User Agreement, or engaged in fraudulent, abusive, or irregular activity. This includes, but is not limited to, instances where LemFi restricts or closes a Participant's Valid Account pursuant to the LemFi User Agreement.

If, for any reason, LemFi is unable to fulfill a promised reward, an alternative reward of equal value may be offered at LemFi's sole discretion. All reward redemptions are final, non-returnable, and subject to review and verification.

LemFi is not responsible for, and will not be liable for, any loss, fraud, abuse, theft, delays, incomplete submissions, illegibility, interruptions, alterations, defects, misdirection, or tampering related to any Programme-related communication, email, reward, referral, or account information. This also applies if a Participant's contact details — including email address or Valid Account — are invalid, deleted, or modified without prior written notice to LemFi.

The Programme is void where prohibited by law or where a Participant's account activity, referrals, or transactions are found to be fraudulent, abusive, incomplete, in violation of these Terms, or otherwise irregular.

All interpretations of these Terms and any decisions made by LemFi are final and binding.

7. Limitation of Liability

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 ANY PARTICIPANT AND ANY THIRD PARTY UNDER ANY AND ALL CIRCUMSTANCES SHALL BE THE THEN-CURRENT €10 VALUE OF THE PARTICIPANT'S UNSPENT MONETARY REWARD UNDER THE REFERRAL PROGRAMME.

ALL WARRANTIES, EXPRESS AND IMPLIED, REGARDING THE REFERRAL PROGRAMME AND USE OF THE LEMFI APP SERVICES ARE DISCLAIMED (INCLUDING, WITHOUT LIMITATION, THE DISCLAIMER OF ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF INTELLECTUAL PROPERTY AND/OR FITNESS FOR A PARTICULAR PURPOSE). LEMFI MAKES NO REPRESENTATION OR WARRANTY WITH RESPECT TO ANY RESULTS OBTAINABLE THROUGH THE REFERRAL PROGRAMME OR THE DELIVERY TIME OF ANY OTHER REWARDS IT MAY PROMOTE.

8. General Terms

• Modification or Termination: LemFi reserves the right to modify, suspend, or terminate this promotional offer at any time without prior notice and without liability to any participant.
• Non-Transferability: Offers are personal to the recipient and may not be assigned, transferred, or shared unless explicitly authorized.
• Right to Refuse: LemFi reserves the right to refuse or reverse promotional benefits at its sole discretion where there is reasonable suspicion of abuse or violation.

9. Acceptance of Terms

By participating in this promotional offer, you acknowledge and agree that:

• You have read and understood these Terms & Conditions.
• Participation is voluntary and at your own risk.
• LemFi's decisions regarding all matters related to this promotion are final and binding.

10. Other Terms and Conditions

We reserve the right to amend or terminate the Referral Programme at any time without notice. Resolution of all questions or disputes regarding eligibility for the Referral Programme, earning of Rewards, or your compliance with the terms and conditions of this Referral Terms & Conditions shall be subject to our reasonable interpretation.

If a Participant or Invitee attempts to use the Referral Programme in breach of these Referral Programme Terms & Conditions, the User Agreement, or 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 either party.

Any questions or complaints regarding any Referral Programme can be addressed to our Customer Service Team: support@lemfi.com