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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Sell Steam Gift Cards In Nigeria

Selling your Steam gift card in Nigeria is now easier than ever with trusted platforms like Hook. Whether it’s a $20, $50, or $100 Steam card, you can convert it into Naira safely, quickly, and conveniently.

Steam gift cards are highly popular among gamers worldwide. However, in Nigeria, users often face difficulties redeeming them due to regional restrictions or limited access to the Steam Wallet. Hook provides a reliable platform for trading your Steam gift cards for cash, ensuring you get the best rate and instant payment.

What Is A Steam Gift Card?

A Steam gift card is a prepaid digital voucher issued by Steam, a platform that distributes PC games, software, and digital content.

  • Steam gift cards come in various denominations like $20, $50, $100, or more.
  • Each card contains a unique code that can be redeemed on Steam Wallet.
  • Redeemed funds can be used to purchase games, in-game content, or other software on Steam.

For gamers in Nigeria, redeeming Steam cards can be tricky:

  • Many cards are region-locked. A U.S. card may not work in Nigeria.
  • Steam purchases sometimes require international payment methods.
  • Some cards are gifts or rewards that the user cannot use immediately.

By selling your Steam gift card on a verified platform like Hook, you can instantly convert it to Naira and use the funds as you wish.

Where To Sell Steam Gift Cards In Nigeria

There are a few options for selling Steam gift cards, but not all are safe or reliable. Choosing the wrong platform can result in low rates, delayed payments, or even scams.

1. Social Media Traders

Some individuals on WhatsApp, Telegram, or Instagram offer to buy gift cards. While rates may appear attractive, the risk is high. Payments are not guaranteed, and there’s no security if the trader disappears.

2. Unverified Apps or Websites

Certain apps promise to buy gift cards but lack transparency and proper licensing. Users often experience delayed payouts, hidden fees, or technical issues.

3. Trusted Platforms (Recommended)

Hook  is a verified and secure platform for trading Steam gift cards in Nigeria. It provides:

  • Instant payouts to your bank account or wallet
  • Competitive exchange rates updated in real-time
  • 24/7 customer support for trade issues
  • Safe and transparent verification processes

Comparison Table: Hook vs Other Platforms

As the table shows, Hook provides the safest, fastest, and most reliable option for selling Steam gift cards in Nigeria.

How To Trade Or Sell Steam Gift Cards on Hook

Trading Steam gift cards on Hook is simple, fast, and fully automated. Here’s how:

Step 1: Create An Account

Sign up on Hook using your email or mobile number. Complete the verification process to activate your account and enable withdrawals.

Step 2: Check The Rate

Use the Hook Gift Card Rate Calculator to see how much your Steam card is worth in Naira. Rates fluctuate based on demand, so checking the rate ensures you get the best value.

Step 3: Upload Card Details

Enter the Steam card code and denomination. Upload a clear image if needed. Ensure all details are accurate to avoid verification delays.

Step 4: Confirm And Submit

Hook displays your total Naira payout. Confirm if you’re satisfied and submit the trade for verification.

Step 5: Receive Instant Payment

Once the card is verified, payment is sent instantly to your bank account or Hook wallet.

Why Exchange Your Steam Gift Cards For Cash On Hook

Hook is the go-to platform for selling Steam gift cards in Nigeria. Here’s why:

1. Competitive Rates

Hook offers the highest rates in Nigeria. The real-time rate calculator ensures you know exactly how much your card is worth before trading.

2. Instant Payment

No waiting hours or days. Once your card is verified, your Naira is sent immediately to your account.

3. Secure Transactions

All transactions are encrypted and verified. Hook uses bank-level security to protect your data and funds.

4. 24/7 Customer Support

Any trade issue or question can be resolved instantly via live chat or email.

5. Transparent System

Hook ensures there are no hidden charges. The rate you see before confirming is exactly what you get.

6. Multiple Regions Supported

Hook accepts U.S., UK, Canadian, and other regional Steam cards, making it easy for users with international cards.

7. Simple Process for Beginners

Even if you’ve never traded a gift card before, Hook’s platform is user-friendly and straightforward.

Common Errors When Redeeming Steam Gift Cards

Users often face errors when redeeming Steam gift cards. Understanding these issues helps avoid problems:

1. Code Already Redeemed

The card may have been used. Only trade cards with a verifiable balance.

2. Invalid Code

Ensure the 15–16 digit code is typed correctly or scanned properly.

3. Card Not Activated

Some physical cards require activation at the point of purchase.

4. Region Restriction

Steam cards are region-specific. U.S. cards may not work in Nigeria. Hook accepts multiple regions and converts them into Naira.

Tips For Maximizing Your Steam Card Value

To get the best payout when selling Steam cards, follow these tips:

  1. Check Rates Before Trading – Use Hook live rate calculator to see the current Naira value.
  2. Trade Higher Denominations – Larger cards often have better exchange rates.
  3. Ensure Card Details Are Clear – Upload sharp, readable images for faster verification.
  4. Verify Card Region – Make sure you select the correct region to avoid rate reduction.
  5. Trade During Active Hours – Trading during Hook peak hours can speed up verification.
  6. Avoid Middlemen – Use a verified platform like Hook instead of social media traders.

Frequently Asked Questions About Converting Steam Gift Card To Cash

1. How much is a $50 Steam gift card in Naira?
Rates fluctuate, but you can check live rates on the Hook Gift Card Rate Calculator.

2. How fast is payment?
Payment is processed instantly after verification.

3. Can I trade partially used Steam cards?
Yes, Hook accepts partially used cards if the remaining balance can be confirmed.

4. Which Steam card regions are accepted?
Hook accepts U.S., UK, Canadian, and other regional cards.

5. Is account verification required?
Yes, it ensures secure and fraud-free trading.

6. Can I cancel a trade after submission?
Only if the card hasn’t been verified yet. Once confirmed, payment is automatic.

7. Does Hook charge hidden fees?
No. The rate you see before confirming is exactly what you receive.

8. Can I trade multiple cards at once?
Yes, Hook allows batch trading for multiple Steam cards.

Conclusion

Selling your Steam gift card in Nigeria is fast, secure, and profitable with Hook. You get instant payment, competitive rates, and a reliable trading environment.

Whether your card is $20, $50, $100, or higher, Hook provides the simplest way to convert your Steam gift cards into Naira, ready for use in your bank account or wallet.

Don’t let your unused Steam cards go to waste. Visit Hook, check your card’s rate, upload it, and get paid instantly today!

You can start trading your gift cards with Hook today:

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