LemFi Cash Programme Terms and Conditions

1. Introduction

1.1. These LemFi Cash Programme Terms and Conditions (the "Programme Terms") govern the LemFi Cash programme (the "Programme"): how you earn, hold and use LemFi Cash. They are between you and the LemFi group entity for your country of registration, set out in Schedule 1 ("LemFi", "we", "us").

1.2. These Programme Terms supplement, and are incorporated into, your main LemFi customer agreement (the "Terms of Use") and our Privacy Policy. If there is a conflict between these Programme Terms and the Terms of Use on a matter relating to the Programme, these Programme Terms apply; on all other matters the Terms of Use applies. Words defined in the Terms of Use have the same meaning in these Programme Terms unless stated otherwise.

1.3. By earning or using LemFi Cash you agree to these Programme Terms.

1.4. The Programme replaces the previous LemFi Points scheme and the previous cash referral payout. If you held LemFi Points, Section 8 explains how they convert to LemFi Cash.

2. What LemFi Cash is (and is not)

2.1. "LemFi Cash" is promotional credit, in your home currency, that you earn through the Programme and use to boost eligible LemFi transactions (see Section 5). It is held in your "LemFi Cash Wallet".

2.2. LemFi Cash is not money and not electronic money. It is not a deposit or stored value, and pays no interest. LemFi Cash is non-withdrawable and non-transferable: it cannot be withdrawn, transferred to anyone else or exchanged for cash, and has no cash redemption value. It can only be used as a boost on eligible cross-border transfers funded in your home currency, as set out in these Programme Terms (we may make LemFi Cash usable on other LemFi products in future, and will say so when we do).

2.3. Each amount of LemFi Cash credited to your Wallet is a "Grant". Each Grant has its own source, amount, date and (where applicable) expiry, all visible in your Wallet.

3. Eligibility

3.1. To take part you must (a) be a LemFi customer with a valid, verified account in good standing in an eligible market, and (b) meet the eligibility criteria for the relevant earn type. You may hold one LemFi Cash Wallet.

3.2. The Programme is available in the markets listed in Schedule 1, currently the United Kingdom, the European Union, the United States, Canada, Australia and Nigeria. Earn and use rules, amounts, currencies and any market-specific carve-outs vary by market and are set out in Schedule 1; they may change (Section 11).

4. How you earn LemFi Cash

4.1. You can earn LemFi Cash in the following ways, each subject to the rules, amounts and caps we set for your market and campaign (which we may change):

Referral (referrer): if someone signs up using your referral code or link and completes their first Qualifying Transfer, you earn a referral reward.
Referral (new joiner): if you sign up using a valid referral code, you may earn a joining reward when you sign up. Only the referrer's reward in (a) above depends on a Qualifying Transfer.
Transaction boost (own activity): you may earn a percentage of the net value of your own eligible transfers.
Promotions: we may grant LemFi Cash through campaigns, offers or win-back promotions.

4.2. A "Qualifying Transfer" is a successful cross-border money transfer that meets the minimum value and other criteria we set for the relevant market (notified in-app, by push or on the Invite and Earn page). Amounts and minimums vary by market and may change.

4.3. LemFi Cash is always granted in your home currency (the currency of your country of registration). We do not convert between currencies for the Programme.

4.4. Rewards are credited only after the qualifying activity is successfully completed. We may apply per-user and per-period caps and other anti-abuse limits, and may decline or withhold rewards at our reasonable discretion (Section 9).

5. How you use LemFi Cash

5.1. When you make an eligible transaction, available LemFi Cash is applied automatically as a boost, shown before you confirm. You do not need to switch anything on.

5.2. In this version, LemFi Cash applies to cross-border transfers funded in your home currency (for example a GBP-funded transfer from the UK). Same-currency transfers, and transfers funded from a non-home-currency balance, are not eligible. We may make LemFi Cash usable on other LemFi products in future, and will say so when we do.

5.3. The boost amount is set by the live rules for the relevant transaction (for example a percentage of the transfer, up to a maximum, above a minimum). The transaction summary shows the original amount, the LemFi Cash applied and what you pay.

5.4. If you hold more than one Grant, we apply the one closest to expiry first. If your available LemFi Cash is less than the calculated boost, we apply what you have and the Wallet goes to zero; the transaction still proceeds.

5.5. The LemFi Cash applied is always the amount shown on the transaction summary when you confirm. Occasionally this can differ slightly from a figure shown a few moments earlier (for example if other LemFi Cash was used or expired in the meantime).

6. Expiry and unused LemFi Cash

6.1. Some LemFi Cash expires and some does not. Each Grant shows its expiry date, or "no expiry", in your Wallet.

6.2. Credit converted from LemFi Points on migration does not expire (Section 8). Referral and promotional credit have an expiry date (typically [6 to 12] months), and transaction boost (own activity) credit usually has a longer expiry. Each Grant's expiry date is shown in your Wallet.

6.3. When a Grant expires it is removed from your Wallet and cannot be reinstated. Because we apply soonest-to-expire credit first (clause 5.4), you will not lose non-expiring credit while expiring credit is available.

6.4. If your LemFi account is closed, suspended or restricted, or you end your relationship with LemFi, any unused LemFi Cash:

(a) is forfeited; cannot be applied; and

7. Refunds, reversals and clawback

7.1. If a transaction on which you used LemFi Cash is refunded or reversed, the LemFi Cash you used is restored to the original Grants, with the same remaining life it had when you used it (counted from the refund). A partial refund restores LemFi Cash proportionately. A refund never converts LemFi Cash into withdrawable cash; it returns as credit in your Wallet.

7.2. If a transaction that earned you LemFi Cash is later reversed, charged back, or found to be fraudulent or ineligible, we may reverse or claw back the related LemFi Cash. We will not drive your balance below zero.

7.3. If a referred Invitee's Qualifying Transfer is reversed, we may reverse the related referrer reward.

8. Migration from LemFi Points

8.1. Existing LemFi Points convert to LemFi Cash on a one-time basis when you update the app, at a rate of [[100 points = 1 unit of your home currency]]. You do not need to do anything; if you have points and do nothing, they become LemFi Cash.

8.2. Migrated LemFi Cash does not expire and has the same value as your points balance at conversion.

8.3. From migration, LemFi Points earning stops and you earn LemFi Cash instead.

8.4. LemFi Points today can only be used as a saving on transfers (not withdrawn or exchanged for cash), and LemFi Cash works the same way, so the way you use your balance does not change. [Confirm there is no other current points redemption route, e.g. gift cards, being removed.]

8.5. We will tell you about the migration in advance and explain what is changing (Section 11).

9. Fraud, abuse and suspension

9.1. You may take part only in good faith. You must not manipulate, farm or abuse the Programme, use it other than as intended, or breach these Programme Terms or the Terms of Use.

9.2. We may limit, withhold, suspend, reverse or cancel LemFi Cash, and suspend or remove you from the Programme, where we reasonably believe there has been abuse, fraud, ineligibility, or a breach of these Programme Terms or the Terms of Use, or where your account is restricted or closed.

10. Tax

10.1. You are responsible for any tax that applies to LemFi Cash you earn, based on your own circumstances and local law.

11. Changes to the Programme

11.1. We may change, suspend or end the Programme, or change these Programme Terms, for example to reflect changes to our services, costs, the law or regulatory requirements, or to address abuse.

11.2. Where a change is material and to your disadvantage, we will give you reasonable advance notice (by in-app message, push or email) before it takes effect, unless we need to act sooner for legal, regulatory or fraud-prevention reasons. Other changes take effect when posted.

11.3. LemFi Cash you have already earned remains usable under the terms on which it was granted, except where we must change it for legal, regulatory, fraud or abuse reasons.

12. Liability

12.1. Nothing in these Programme Terms limits or excludes our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, for any rights you have under mandatory consumer law, or for any other liability that cannot be limited or excluded by law.

12.2. Subject to clause 12.1, the Programme is provided "as is", and our total liability to you in connection with the Programme is limited to the value of your unused LemFi Cash.

13. Data protection

13.1. We process personal data in connection with the Programme (including, for referrals, limited information shared between a Referrer and Invitee) in line with our privacy notice. Referral mechanics rely on the Invitee's consent, which they can withdraw.

14. Moving between LemFi markets

14.1. If you move country and your LemFi account moves to a different LemFi entity, your LemFi Cash balance moves with you, subject to the Programme Terms and currency of your new market. We will tell you if anything changes as a result.

15. Other terms

15.1. These Programme Terms (together with the Terms of Use, the Privacy Policy and the Schedules) are the entire agreement between you and us in respect of the Programme, and supersede any prior statements about it.

15.2. If any provision of these Programme Terms is found to be invalid or unenforceable, that provision is severed and the remaining provisions continue in full force.

15.3. If we do not enforce a provision of these Programme Terms, that is not a waiver of our right to enforce it later.

15.4. You may not assign or transfer your rights or obligations under these Programme Terms. We may assign or transfer ours to another LemFi group entity, including on a transfer of your account between LemFi markets (Section 14) or in connection with a reorganisation, provided this does not reduce your rights.

15.5. These Programme Terms are provided in English, and the English-language version prevails.

15.6. Questions or complaints about the Programme can be sent to support@lemfi.com.

16. Governing law, jurisdiction and complaints

16.1. The governing law, jurisdiction and complaints route that apply to these Programme Terms, and to any dispute or claim arising out of or in connection with them or their subject matter, depend on your market and the contracting LemFi entity for your country of registration, and are set out in Schedule 1. Nothing in this clause affects any mandatory rights you have under the law of your country of residence.

Schedule 1: Markets, entities and governing law

Market	Contracting LemFi entity (to confirm)	Currency	Governing law / jurisdiction	Notes / carve-outs
UK	Lemonade Technology Limited (company no. 12711587)	GBP	England & Wales	Lead market
EU / Ireland	Lemfi-Europe Limited (company no. 604979)	EUR	Ireland (FSPO; FIN-NET for other EU)	New for EU; EU customers earn via referral "Cash Back" held as an offset-only Rewards Balance; CBI Consumer Protection Code applies
US	Pomelo Two US LLC (Delaware file no. 6396546)	USD	New York	Earn types and amounts per Schedule 2; new joiners earn on sign-up (referrer reward requires a Qualifying Transfer)
Canada	Pomelo Technology Canada Ltd. (company no. 12258609)	CAD	Canada / arbitration
Australia	Pomelo Australia Pty Ltd (ACN 671 816 283)	AUD	Australian law	New for Australia; Australia customers earn via referral and points; local regulatory check needed
Nigeria	Rightcard Payment Services Nigeria Limited (company no. 7523720)	NGN	Nigerian law	New ground; CBN + local advertising/consumer rules check