Terms of Service

Our Agreement with You

These Terms of Use govern your relationship with Hook and your use of our website, mobile app, and services.

Last updated: September 11, 2025

Introduction

These Terms of Use (“Agreement”) are between you and Hook Technologies Limited (“Hook,” “we,” “our,” or “us”). It governs your use of the Hook website, mobile app, and services (the “Platform”).

Hook is duly registered with the Nigeria Data Protection Commission (NDPC) as a Data Controller of Major Importance in line with the Nigeria Data Protection Act, 2023. We also comply with the Ghana Data Protection Act, 2012 (Act 843) and maintain registration with the Ghana Data Protection Commission (DPC) where required. This ensures your personal data is collected, stored, and processed in line with applicable national standards.

1. Acceptance of Terms

By registering and opening an account with Hook, you have unconditionally agreed to and accepted our terms of use. If you do not agree with any of these terms, please desist from using the Hook website, app, and its services.

Please note that these terms may be revised and reissued at any time. Your continued use of the Hook Platform will be deemed as an irrevocable acceptance of any revisions. Notwithstanding the above, we will strive to notify you of changes to these terms which significantly affect your rights and obligations. Such notices shall be sent to the email address you provided as part of your account registration and it is your responsibility to keep your contact information up-to-date.

2. Our Products And Offerings

Hook as a platform bridges the gap between individuals who need liquid cash and businesses who need discounted gift cards as a payment alternative. We provide services using our website (hook.ng), mobile app, and API (all together referred to as “Hook Platform”).

Our services enable individuals to exchange gift cards and vouchers for cash equivalent (herein referred to as ‘customers’ or ‘clients’ or ‘users’), and also enable businesses to get discounted gift cards as payment alternatives (herein referred to as ‘partners’).

3. Eligibility

To be eligible for the use of Hook Platform, you must:

  • Complete the registration process.
  • Not be less than 18 years of age as an individual and must possess the authority to accept the terms of use on behalf of or if it’s a company.
  • Not have been previously suspended or banned from the use of Hook Platform.
  • Pass all KYC and compliance requirements.
  • Not violate any law and regulation applicable to you, including but not limited to regulations on anti-money laundering, anti-corruption, and counter-terrorist financing.

4. Identity Verification

You hereby authorize Hook to, directly or through the use of a third party or parties, make any inquiries we consider necessary to verify your identity and/or your transaction and/or protect against fraud, including to query identity information contained in public reports (e.g., your name, address, past addresses, or date of birth), to query account information associated with your linked bank account (e.g., name or account balance), and to take action we reasonably deem necessary based on the results of such inquiries and reports. You further authorize any and all third parties to which such inquiries or requests may be directed to fully respond to such inquiries or requests.

5. Security of Account

Hook remains committed to the security of the platform, user data, and user assets, however, it is important that Hook users treat the login credentials used to access the platform as confidential information and avoid disclosure to any other party, or parties. As a user, you hereby agree that you are totally responsible for the security of your account and its login credentials.

Hook shall not be liable for any loss or damage caused by authorised or unauthorised use of your login credentials. You hereby acknowledge that you understand that Hook will never ask for your login credentials via email, SMS, social media, instant messenger, or any other channel.

6. Transaction Cancellation and Refund

Transactions on Hook may be cancelled within a certain time window if requested by a user. Transactions may also not be cancelled after a certain time window. You understand that the time window is totally dictated by Hook, and generally depends on the transaction status and the processing stage. You invariably agree that Hook ultimately dictates if a transaction may be cancelled or not.

Hook may also cancel a suspicious transaction, or if we believe it’s beyond our risk appetite, or if you are unable to provide all required information (like a purchase receipt) to verify the authenticity and legality of your transaction.

7. Transaction Modification

Hook may modify a transaction if submitted with wrong transaction details (perceived or otherwise). By using Hook, you agree that Hook may also modify your transaction in its best interest, or in your best interest, notwithstanding, our quality assurance policies ensure that you are satisfied as a user.

8. Prohibited Activities

The use of the Hook platform, or its services, or provided API prohibits that you:

  • Breach its terms of use or privacy policies.
  • Attempt to trade in an asset that was not legally obtained by you.
  • Facilitate, engage or partake in any fraudulent activities including but not limited to any actions to defraud Hook, its users, or any individual or company.
  • Breach any laws and regulations applicable to you.
  • Act in a defamatory or harassing manner to Hook, its agents, or its users.
  • Provide false personal information.
  • Carry out automated activities that consume an unreasonable amount of Hook’s infrastructure.

You hereby acknowledge that Hook reserves the right to restrict or terminate access to your Hook account or take legal actions upon the reasonable suspicion or conviction that you have carried out any of the prohibited activities.

9. Proprietary Rights

You acknowledge and agree that Hook is the exclusive owner of all intellectual property rights, including the Hook Platform, services, logos, trade names, brand names, designs, and necessary software used in connection with the Hook Platform. However, any proprietary rights associated with third-party logos, trade names, brand names, and designs shall belong to those third parties.

The Hook Platform may feature proprietary logos, service marks, and trademarks owned or used by the Company or others. Hook is not granting you any licence to use these proprietary marks by displaying them on the Platform, and unauthorised use may violate intellectual property laws.

You understand and acknowledge that Hook owns the Hook Platform, and these Terms and Conditions do not transfer any ownership, rights, or title from the Hook to you or any third party.

10. Privacy Policy

By using the Hook Platform, you acknowledge and agree to be bound by the terms of our Privacy Policy, which is incorporated by reference into these Terms and Conditions and can be found here.

Our Privacy Policy outlines the collection, use, and disclosure of personal information and other data by the Hook Platform. You are responsible for reviewing our Privacy Policy to understand how we use your information and data.

We may update or revise our Privacy Policy from time to time, and any changes will be effective immediately upon posting the revised Privacy Policy on the Hook Platform. By continuing to use the Hook Platform after any changes to the Privacy Policy, you agree to be bound by the updated or revised Privacy Policy.

11. Account Monitoring, Suspension, or Termination

Upon probable cause to believe that you have acted in violation of these Terms and Conditions or:

  • That any content or material or asset submitted or shared by you in or through the Hook platform violates these Terms of use or the intellectual property rights, other property rights, or the right to privacy of any third party.
  • We have reason to believe that your use of the Hook platform is in violation of any applicable law or regulation, or that you are using the services in a fraudulent manner or otherwise contrary to the purpose of this Agreement.
  • We have reason to believe that you have supplied false, misleading, or deceptive information in connection with your registration, identity verification, transactions, or any other use of the services, either to us or to another user.
  • You have not responded to our inquiries or supplied the information requested by us within a reasonable period of time.
  • We are required to do so under any applicable law, regulation, or an order issued by an authority.
  • If we determine that you have at any previous point in time violated this Agreement or any other agreement that you have entered into with us.

Upon the occurrence of ANY of the above, Hook shall immediately close, suspend or limit your account.

12. Grievance Policy

Hook believes in providing excellent service and strives to be sincere and transparent in its approach to customer service. Your confidence in us is of paramount importance to us and we would never place our personal growth before your interest.

We ensure a simply incredible and user-friendly experience for all our customers and in case of any complaint or concern, we do everything we can to fix them.

Hook has developed a procedure for prompt attention to the grievances of its customers with respect to various issues by setting up a “customer support” and “a dispute resolution mechanism”.

Customers can give their complaints/feedback only by using:

  • The live chat available on our public domain,
  • Calling our official contact number (+234 901 931 2249), or
  • Sending an email to help@hook.ng

You hereby agree that you are aware of our customer support channels, and we’re not liable for any damage or loss as a result of using any other unrecognized channel.

13. Disclaimers and Liability Limitation

  • Hook is not liable for delays or failures caused by events outside our control (e.g., internet outages, regulatory actions, natural disasters).
  • Third-party APIs or services used on the Platform may fail; we are not responsible for their performance.
  • To the fullest extent permitted by law, Hook disclaims liability for indirect, incidental, or consequential damages.

Hook makes use of the best services. Hook does not offer its services through social media. All transactions are done either on our official website (hook.ng), or on our mobile app downloadable on Apple Store or Google PlayStore.

14. Anti-Money Laundering Policy

Hook complies with:

  • The Money Laundering (Prohibition) Act, 2011 (as amended) (Nigeria).
  • The Terrorism (Prevention) Act, 2011 (as amended) (Nigeria).
  • The Central Bank of Nigeria AML/CFT Regulations, 2013.
  • The Ghana Anti-Money Laundering Act, 2020 (Act 1044) and related regulations.

We maintain transaction monitoring, reporting, and KYC processes, including cooperation with regulators such as the EFCC, SCUML, and the Ghana Financial Intelligence Centre (FIC).

15. Governing Law

This Agreement and the rights and obligations of the Parties hereunder shall be governed by and interpreted and construed as follows:

  • If you are in Nigeria, these Terms are governed by the laws of the Federal Republic of Nigeria.
  • If you are in Ghana, these Terms are governed by the laws of the Republic of Ghana.

16. Contact Details

If you have any questions or concerns regarding these Terms of Service, please contact us via:

Approved By Management
Updated this 11th day of September, 2025

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Category: JCPenney

  • How To Sell Sephora Gift Card To Naira in Nigeria?

    Do you wish to know How to Sell Sephora Gift Cards To Naira Online and get paid in Naira? You need to know the amount Sephora gift Cards cost in Nigeria and how to check your Sephora gift voucher balance.

    You’re at the ideal location, Yes!

    This page will furnish you with all that you really want to be aware of the Sephora Gift voucher. You will likewise track down the best site to sell Sephora gift Cards for Money in Nigeria and get a moment cash installment. A trusted and confirmed gift card trade site is all you want to sell your Sephora gift Cards.

    There could be no more excellent site for selling or Reclaiming Sephora Gift Cards than the Hook Site. Hook is Nigeria’s best gift card trade site to recover your Sephora gift Cards and get compensated in Naira.

    Sephora gift Cards rank among the main five most well-known gift Cards in Nigeria. Indeed! You will figure out more. Read on.

    Sephora, an American beauty care products and retailer of magnificence brands, is one of the most notable excellent retailers on the planet. Sephora has in excess of 2,700 stores across 35 nations. Sephora is known for its select items. Their items are focused on ladies who love skincare and cosmetics. It is more straightforward to shop online from any area of the planet, and with the Sephora Gift voucher, you can shop from the Sephora Store quickly. This change in excellent items was obvious as additional individuals shop online at worldwide locations. Sephora’s gift card can be utilized to purchase any item in the store.

    Sephora Gift Cards are a well-known choice for individuals who love to shop and give gifts. Sephora clients have the choice to pick their #1 items, making it simpler for them to shop for their number one beauty items. They are accessible in various divisions, for example, $25, $50, $100, $500, and so on.

    You can utilize Sephora gift cards to buy different items, including cosmetics, skincare, and beauty care products, as well as instruments. The Sephora Organization gives and issues Sephora Gift Cards. They offer gift cards to clients as an option in contrast to purchasing products, and they show their appreciation for the support.

    You can buy Sephora gift cards at retail locations like Walmart and CVS drug stores. Sephora cards come in two renditions: E-codes or Actual cards. Sephora Gift Cards are some of the time called Sephora Mastercards on the grounds that it contain a PIN code fixed at the rear of the card.

    Current Rates of Other Sephora Card Denominations on Hook 

    We have already answered the query about What is the Rate of a $100 Sephora Gift Card in Naira currently? But, we are also adding the current rates of other denominations of Sephora gift cards on Hook in December 2026. 

    Gift Card TypeGift Card ValueRate in Naira
    Sephora Gift Card$100120,800
    Sephora Gift Card$150181,200
    Sephora Gift Card$200241,600
    Sephora Gift Card$250302,000
    Sephora Gift Card$300362,400
    Sephora Gift Card$400483,200
    Sephora Gift Card$500604,000
    sephora-hook

    From the query items inquiries, many individuals are posing inquiries about the Sephora Gift card, which includes;

    • How much is Sephora’s gift card $100 to Naira?

    • How much is a $200 Sephora gift card in Nigeria?

    • How much is the Sephora gift card $500 to Naira?

    • Instructions to Check Sephora Gift Card Balance

    • What is the Sephora gift card utilized for?

    • Where could I sell my Sephora gift card at any point?

    • The most effective method to sell Sephora Gift cards for Money

    What is a Sephora Gift card?

    Sephora Gift card works very much like a gift voucher. Sephora issues the “Sephora Gift voucher,” a preloaded card with cash to empower clients to purchase Sephora items on the web or coming up. Sephora gift cards can be bought for any sum, without extra charges. Sephora Gift Cards are available in two formats: the Sephora Electronic Gift voucher (E-Gift) and Sephora Physical Card.

    The cards can be conveyed to you; for E-codes, they will be shipped to your email address, while physical cards use mail conveyance.

    What are JCPenney Sephora Gift cards?

    JCPenney brand is a departmental shop that has collaborated with the Sephora brand to open Sephora shops in her structure. JCPenney likewise gives Sephora cards. This store gives the Sephora gift card, however, the idea of the Sephora gift Cards is very unique. On the gift Cards. you will track down the logos of Sephora $ JCPenney

    Contrast Between JCPenney Sephora Gift Card and Sephora Gift Card

    Sephora and JCPenney Sephora gift vouchers are different in light of the PIN.

    Sephora gift Cards utilize an 8-digit pin, while JCPenney Sephora utilizes 4-digit pins.

    Sephora Gift Cards and JCPenny Sephora Gift Cards have numerous likenesses. They are both shut-circle Gift Cards.

    Shut circle Gift Cards are not substantial and can’t be utilized at some other shipper than the one recorded.

    You can utilize just a JCPenney Sephora card at a JCPenney Sephora Store as well as the other way around.

    The Interest In Sephora Gift card

    Sephora Gift Cards are more famous than JCPenny Sephora cards.

    Sephora Gift Cards can’t be utilized or recovered in Sephora stores except if they match the cash of the store area.

    The JCPenney Sephora gift Cards must be utilized at the retail location that gave them.

    What is the Sephora Gift Card Utilized For?

    Sephora Gift Cards can be utilized on the web and in-store at Sephora Store for skincare, body creams, and hair items, as well as cosmetics packs and other excellent items. You can trade Sephora gift Cards for Money and you can likewise sell the Sephora gift voucher for cash or bitcoin. You can utilize Sephora gift cards to buy items and different things in actual stores (disconnected or on the web).

    There is something else and more things the Sephora card is utilized for. Coming up next are the purposes of the Sephora Gift Cards:
    1. Sephora Gift Cards can be utilized to Reclaim Gifts Things. You can utilize Sephora gift Cards to reclaim gift things in Sephora’s on the web and in actual stores. Assuming that you are approached to gift magnificence items yet don’t know which one to go for, Rather than stressing over yourself, send a Sephora Gift voucher and get your gifts reclaimed. The card’s worth will decide the number of items you that can reclaim in the store.
    2. Buying Sephora Products can be utilized. You can utilize Sephora gift cards to buy Sephora items at Sephora Stores. Contingent upon your Sephora Gift Card balance, you can purchase anything at Sephora Stores.
    3. Use to Recover the Sephora Gift Voucher for Money. You can sell, recover or trade your Sephora Gift voucher for cash (Naira) on any confided-in site to reclaim it at Sephora stores.
    4. You can exchange on the Hook site, and it is profoundly dependable and quick. You can sell at the most noteworthy rates and get compensated within 2 to 5 minutes.
    5. Sephora Cards can be utilized to Cover Bills. You don’t need to sit inactive on your Sephora gift voucher or trust that the right second will utilize it. All things being equal, use it to cover your bills. You can cover a few bills with it. Rather than burning through cash on bill installments, you can place your assets in the bank and clear your bills with the Sephora gift Cards.
    6. Convert Sephora Card into Naira, or Bitcoin. You can change over Sephora gift Cards to cash or different resources like computerized resources. Sephora cards can be traded and changed over into Money; this will permit you to spend your cash any place you like, with next to no limitations. You can likewise involve cash for purchasing computerized resources like Bitcoin and USDT. Gift cardholders from Nigeria can now sell their Sephora cards by means of this Trade site called Hook.

    How to sell a Sephora gift card in naira

    After checking the rates for your Sephora gift card in naira, you are good with Hook’s juicy rates, you would now like to sell for instant naira. To sell gift cards for Naira with Dtunes, there is a specialized Hook app on your app store that helps you convert gift cards to instant cash. Sell the steps to sell Sephora gift card in naira below:

    1. Download the Hook app onto your smartphone. You can find Hook on both Android and iPhone by searching “Hook Gift Card” on Google Play Store and Apple Store respectively.
    2. Complete the registration process.
    3. Tap on “Use Rate Calculator.”
    4. Opt for gift cards as your calculator option.
    5. Pick your specific gift card type.
    6. Select the country category.
    7. Choose the card format (Physical or Ecodes).
    8. Indicate the card category.
    9. Enter the card amount.
    10. The amount will be instantly displayed below.

    GIFT CARD – DEFINITION

    A gift card is also known as a gift certificate in North America, or gift voucher or gift token in the UK is a prepaid stored-value money card, usually issued by a retailer or bank, to be used as an alternative to cash for purchases within a particular store or related businesses.

    Gift cards are also given out by employers or organizations as rewards or gifts.

    They may also be distributed by retailers and marketers as part of a promotion strategy, to entice the recipient to come in or return to the store, and at times such cards are called cash cards.

    Gift cards are generally redeemable only for purchases at the relevant retail premises and cannot be cashed out, and in some situations may be subject to an expiry date or fees. 

    American Express, MasterCard, and Visa offer generic gift cards that need not be redeemed at particular stores, which are widely used for cashback marketing strategies.

    A feature of these cards is that they are generally anonymous and are disposed of when the stored value on a card is exhausted.

    From the purchaser’s point of view, a gift card is a gift, given in place of an object which the recipient may not need, when the giving of cash as a present may be regarded as socially inappropriate.

    References for Sephora Gift Card to Naira

    1. ^ “GIFT TOKEN”. Cambridge English Dictionary. Archived from the original on 16 September 2014. Retrieved 21 November 2018.
    2. ^ HORNE, DANIEL R. (2007). “Gift Cards: Disclosure One Step Removed”. The Journal of Consumer Affairs. 41 (2): 341–350. doi:10.1111/j.1745-6606.2007.00084.x. ISSN 0022-0078. JSTOR 23860062. Archived from the original on 8 October 2020. Retrieved 15 April 2021.
    3. ^ Jump up to:a b c d Hood, James R. (20 February 2006). “Congress Considers New Gift Card Rules”. consumeraffairs.com. Archived from the original on 8 March 2012. Retrieved 16 June 2008.
    4. ^ “2012 Holiday Gift Card Spending Report”. giftcardlab.com. 26 November 2012. Archived from the original on 3 December 2013. Retrieved 12 January 2013.
    5. ^ “Gift Cards and Financial Reporting”. archives.cpajournal.com. Archived from the original on 15 April 2021. Retrieved 15 April 2021.