LemFi First Transfer Activation Campaign (October 2026)

1. Introduction and Legal Scope

These Terms and Conditions govern the LemFi First Transfer Activation Campaign (the “Campaign”).

The Campaign is organised by LemFi, a brand operated by the following LemFi group entities, as applicable to the participant and the relevant service:

Lemfi-Europe Limited, a company registered in Ireland (company number 604979) and authorised by the Central Bank of Ireland as a payment institution (reference C182347), for participants whose LemFi account is with Lemfi-Europe Limited;
Pomelo Remits Europe Ltd, a company registered in Ireland, for other participants in the European Union;
Pomelo Technology Canada Ltd, a company registered and regulated in Canada; and
RightCard Payment Services Limited, a company registered and regulated in the United Kingdom.

These entities operate collectively under the LemFi brand in accordance with the laws and regulations applicable in their respective jurisdictions.

Participation in the Campaign is subject to these Terms and Conditions and the applicable LemFi terms of service.

2. Purpose of the Campaign

The Campaign aims to encourage registered LemFi users who have never completed a successful money transfer to complete any outstanding account verification and make their first qualifying money transfer. Users who have previously completed a successful money transfer are not eligible for the promotional credit.

The Campaign targets two groups:

First-time senders: Registered users who signed up within the preceding year and have never completed a successful money transfer through LemFi, whether their accounts are verified or unverified.
Churned senders: Previously active senders who have not completed a successful money transfer for at least 45 days.

Only eligible first-time senders may receive the promotional credit described in these Terms and Conditions. Churned senders are not eligible for promotional credit under this Campaign.

The Campaign is an onboarding, first-transfer activation, and reactivation promotion. It is not a referral programme, prize draw, competition, or cash giveaway.

3. Campaign Period and Communications

The Campaign communication schedule is as follows:

Thursday, October 30th, 2026

One (1) email in English and French.
One (1) push notification in English and French.

Friday, October 30, 2026

One (1) email in English and French.
One (1) push notification in English and French.

The Campaign and promotional offer for eligible first-time senders will run from October 29, 2026, until 11:59 PM UK time (GMT) on November 1, 2026 (the “Campaign period”). Any unused promotional credit will expire at the end of the Campaign period.

4. Languages

Campaign communications will be available in English and French. The language a participant receives may depend on the language settings associated with their LemFi account or the applicable user segment.

5. Participant Eligibility

To be eligible to use the promotional credit under the Campaign, a participant must:

Be at least 18 years old.
Hold an existing LemFi account.
Have registered for a LemFi account within 1 year preceding the applicable Campaign eligibility assessment.
Have never completed a successful money transfer through LemFi before the qualifying transfer.
Have had the promotional credit added to their LemFi Cash balance for this Campaign.
Use a supported sending market and sending currency and send to an eligible destination market.
Complete any required identity verification and satisfy LemFi’s account and transaction requirements before making the qualifying transfer.
Comply with these Terms and Conditions and all applicable LemFi terms of service.

Users need to update their apps to newer builds to receive the cash (users on older builds where LemFi cash is not available won't get credited until they update)

LemFi may add the promotional credit to a participant’s LemFi Cash balance before their account is verified. Unverified users must complete any required identity verification before making a qualifying transfer.

The eligible destination markets are divided into the following groups:

Anglophone destinations:

Nigeria
Ghana
Kenya
Tanzania
Uganda

Francophone destinations:

Senegal
Cameroon
Côte d’Ivoire
Benin
Mali
Burkina Faso
Gabon
Republic of the Congo

Eligibility is subject to supported sending markets, currencies, corridors, and product availability.

Users need to update their apps to newer builds to receive the cash (users on older builds where LemFi cash is not available won't get credited until they update)

Churned senders are users who have previously completed a successful money transfer through LemFi but have not completed a successful transfer for at least 45 days. Churned senders may be targeted by Campaign communications to encourage them to resume sending money. However, they are not eligible to receive promotional credit under this Campaign.

Receiving a Campaign communication does not on its own make a user eligible for the promotional credit.

6. Promotional Offer

Eligible first-time senders may receive a promotional credit in the currency applicable to their eligible sending market:

Sending currency	Promotional credit
EUR	€5
GBP	£5
CAD	CAD $5

The promotional credit is subject to the qualifying transaction and usage requirements in these Terms and Conditions.

The promotional credit is non-transferable and cannot be exchanged for cash or another benefit, except where required by applicable law.

Churned senders are not eligible for promotional credit under this Campaign.

7. How the Promotional Credit Can Be Used

The promotional credit is LemFi Cash. The LemFi Cash Programme Terms, available at https://lemfi.com/legal/lemfi-cash-terms, apply except where these Campaign Terms and Conditions state otherwise. The promotional credit is not money or electronic money.

The promotional credit may be applied only to a qualifying first transfer made through the LemFi application. The participant must complete any required identity verification before making the transfer. LemFi Cash is switched on by default on the send screen. Participants should keep it switched on when confirming their first transfer, as the promotional credit cannot be used on a later transfer.

A qualifying transfer must meet the minimum amount for the participant’s applicable sending currency:

Sending currency	Minimum qualifying transfer	Promotional credit
EUR	€50	€5
GBP	£50	£5
CAD	CAD $50	CAD $5

Destination country	Minimum qualifying transfer
Nigeria	€100 / £100 / CAD $100
Kenya	€100 / £100 / CAD $100

The promotional credit may be applied once to one qualifying transfer. The maximum total promotional credit available to each eligible participant under this Campaign is €5, £5, or CAD $5, as applicable.

Note: Transfers to Nigeria and Kenya must meet the higher minimum qualifying transfer amount of €100, £100, or CAD $100, depending on the sending currency.

Users need to update their apps to newer builds to receive the cash (users on older builds where LemFi cash is not available won't get credited until they update)

The promotional credit is available only to eligible first-time senders. Churned senders will not receive promotional credit under this Campaign.

8. Promotional Credit Validity and Expiry

The promotional credit must be used by the end of the Campaign period.

Eligible participants must complete their first qualifying transfer within the Campaign period to benefit from the offer.

Any unused promotional credit will expire after the Campaign end date. No extension will be provided unless LemFi expressly decides otherwise.

9. Qualifying Transactions

To qualify for the promotional credit, a transfer must:

Be initiated through the LemFi application.
Be the participant’s first successful money transfer through LemFi.
Meet the minimum qualifying transfer amount for the applicable sending currency.
Be confirmed in the LemFi app within the Campaign period.
Use an eligible sending currency and supported sending market.
Be sent to a recipient in an eligible destination market.

Cancelled, reversed, refunded, failed, fraudulent, or otherwise invalid transfers do not qualify.

The promotional credit is applied to the qualifying transfer; completing a qualifying transfer does not generate an additional promotional credit.

Transfers made by churned senders do not qualify for promotional credit under this Campaign.

10. Promotional Credit Conditions

The promotional credit:

Is available only to eligible first-time senders.
Is for the eligible participant only.
Is non-transferable and may not be sold, assigned, or transferred.
Cannot be exchanged for cash.
May not be combined with another promotional offer unless LemFi expressly permits it.
Expires at the end of the Campaign period.

The credit may only be used in accordance with these Terms and Conditions and the LemFi Cash Programme Terms.

Churned senders are excluded from the promotional credit offer, regardless of whether they receive Campaign communications or resume sending money during the Campaign period.

11. Campaign Targeting

The Campaign targets two user segments across the eligible destination markets.

First-time sender segment: Registered users who signed up within the preceding year and have not completed a successful money transfer through LemFi. This segment includes both verified and unverified users.

Churned sender segment: Previously active senders who have not completed a successful money transfer for at least 45 days.

LemFi may use account status, registration date, verification status, transaction history, sending market, currency, and supported destination corridors to identify and segment eligible users.

Not all LemFi users will receive Campaign communications or qualify for the promotional credit. Receiving a Campaign communication does not by itself guarantee eligibility.

Churned senders may receive Campaign communications but are not eligible for promotional credit under this Campaign.

12. Fraud, Abuse, and Disqualification

LemFi may withhold, cancel, or revoke promotional credit where it reasonably determines that a participant has engaged in fraud or attempted fraud, abused or manipulated the Campaign, provided false or misleading information, used multiple accounts to obtain multiple promotional benefits, breached LemFi’s terms of service, or conducted suspicious, unauthorised, or invalid transactions.

If LemFi adds promotional credit to a LemFi Cash balance by mistake (for example, more than once, in the wrong amount or to a user who is not eligible), LemFi may remove it.

13. Personal Data

Personal data processed in connection with the Campaign may be used to:

Identify eligible participants.
Manage Campaign communications.
Determine registration, verification, and transaction status.
Verify qualifying transactions.
Apply promotional credit.
Prevent fraud and abuse.
Comply with legal and regulatory requirements.

Personal data will be processed in accordance with LemFi’s applicable privacy policy and relevant data protection legislation.

14. Limitation of Liability

To the extent permitted by applicable law, LemFi is not responsible for technical failures or circumstances outside its reasonable control that prevent a participant from completing a qualifying transfer within the Campaign period.

Nothing in these Terms and Conditions excludes or limits liability where such exclusion or limitation is prohibited by applicable law.

15. Modification, Suspension, or Cancellation

LemFi may modify, suspend, or cancel the Campaign where reasonably necessary, including due to fraud or suspected abuse, technical issues, regulatory requirements, force majeure, or other circumstances beyond its reasonable control.

Material changes will be communicated where required by applicable law.

16. Applicable Terms

Participation in the Campaign remains subject to the applicable LemFi Terms of Service, privacy policy, LemFi Cash Programme Terms, and other policies governing use of the LemFi application.

Where these Campaign Terms and Conditions conflict with mandatory legal requirements, the mandatory legal requirements prevail.

These Terms and Conditions are governed by the same law and subject to the same courts as the participant’s LemFi Terms of Service. This does not affect any mandatory rights the participant has under the law of their country of residence.

17. Contact

For questions about the Campaign, participants may contact LemFi at:

Email: support@lemfi.com
Social media: @UseLemFi or @UseLemFi.fr on Instagram, Facebook, and TikTok.