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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Tag: american express gift card rate to naira

  • How To Sell American Express AMEX Gift Cards in Nigeria?

    How To Sell American Express AMEX Gift Cards in Nigeria: In everyday terms, they say nothing goes to waste in the world. Whether this statement holds true is subjective. However, when you realize that you can turn your American Express (Amex) Gift card into cash, you might genuinely believe that nothing goes to waste. Have you ever received an Amex Gift card from a friend or colleague, but you’re clueless about what to do with it?

    Perhaps you’ve purchased an Amex physical card before, only to find yourself unable to spend the balance and wishing you could convert it to cash. Don’t worry; your Amex Gift card is a valuable asset that can be fully converted to cash, ensuring it never goes to waste. To find out how to make this happen, keep reading.

    What is an Amex Gift card?

    An American Express Gift card isn’t the same as other gift cards you have known about. Very much like a pre-loaded card has been preloaded with specific cash esteem ordinarily the USD. American Express Gift cards are regularly utilized in the US and are a generally acknowledged installment strategy in retail locations and grocery stores like Walmart, BestBuy, and so on. The cards are given in various money divisions, to such an extent that there’s dependably a reasonable one for all. You can get an Amex Gift card for $10, $25, $50, $100, and so forth. American Express Gift card can likewise be exchanged for cash however not simply cash on our framework.

    Types of American Express Gift Cards

    American Express pre-loaded charge cards
    With this card, you can shop with your card essentially anyplace American Express cards are acknowledged. It has no credit check and it is allowed to enlist on the web.

    American Express Visas
    These cards are of various kinds and they are of various capabilities. For instance, the Blue Money Favored is best for high money-back rates, the American Express Green Card is best for movement, the American Express Money Magnet is best for level-rate cash back, etc.

    American Express charge cards
    American Express gives charge cards that offer month-to-month credit with card adjustments that should be taken care of every month.

    What is the American Express Gift Card Used For?

    You can use an American Express gift card to shop online on any U.S. website and at stores that accept American Express Gift cards as a payment method.

    How to sell Amex gift cards in Nigeria?

    How to Convert Your Amex Gift Card into Money?

    1. Create an account via our website or mobile app.
    2. Download the Hook Mobile App from Google Play Store or Apple Store.
    3. Register and set up your account profile.
    4. Optionally, verify your BVN for added security.
    5. Add your bank account details for easy fund withdrawal.
    6. Click “TRADE GIFT CARDS” and select “SELL GIFT CARDS.”
    7. Search for a Amex gift card.
    8. Specify the currency and card type (Physical card, Ecode, Receipt, etc.).
    9. Enter card details: sub-category, value, and amount.
    10. Review the cash payout in Naira and proceed.
    11. Verify the gift card by entering the Ecode or uploading a photo.
    12. Confirm the transaction and receive instant cash in your account wallet for withdrawal.

    Start trading gift cards with ease on our platform today! For any queries, feel free to contact us. Happy trading!

    Why Should You Trade on Hook?

    1. Transaction speed

    Hook is widely known among its users for its quick transaction speed. All transactions are completed in under 5 minutes. When you need to exchange swiftly without delay, Hook is your best bet.

    2. High rates

    Looking for high rates for your gift cards? No other platform like Hook offers those exciting offers. You can also check the current rate for any gift card of your choice.

    3. Seamless transaction

    Abolish the idea of difficult gift card trading. With the Hook app, enjoy the benefit of seamless transactions.

    4. Excellent Customer service

    In case of any issues while selling your gift cards or during gift card purchases, do not hesitate to reach out to our customer support line. You will be attended to promptly and appropriately.

    5. Safe transaction

    All your details and card information are well-secured on the platform. You have no reason to fear.

    6. Guaranteed payment

    I understand the fear associated with gift card trading due to the large number of fake exchange agents on the internet. Here, your payment is processed immediately after a successful transaction.

    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.

    Frequently Asked Questions (FAQs) About Selling American Express (Amex) Gift Cards in Nigeria

    Q1: Can I sell my American Express (Amex) Gift Card in Nigeria?

    A: Yes, you can sell your Amex Gift Card in Nigeria. There are platforms like HOOK that facilitate the buying and selling of various gift cards, including Amex Gift Cards.

    Q2: What types of Amex Gift Cards can I sell?

    A: You can sell physical Amex Gift Cards, electronic codes (Ecodes), and even cards with receipts, depending on the platform’s guidelines and requirements.

    Q3: How do I find a reputable platform to sell my Amex Gift Card?

    A: Look for platforms with positive reviews and a transparent process. HOOK is a popular and trusted platform in Nigeria for selling Amex Gift Cards.

    Q4: What documents or information do I need to sell my Amex Gift Card?

    A: Generally, you’ll need your Amex Gift Card details, including the card number, expiry date, and security code. Some platforms may require identity verification documents for security purposes.

    Q5: Are there fees associated with selling my Amex Gift Card?

    A: No, they are not.

    Q6: How long does it take to receive payment after selling my Amex Gift Card?

    A: The processing time on HOOK is instant. Some platforms offer instant payments, while others might take a few hours or days. It’s best to check the platform’s payment processing times.

    Q7: Can I sell a partially used Amex Gift Card?

    A: Yes, you can sell a partially used Amex Gift Card. Most platforms allow you to sell cards with partial balances.

    Q8: Is it safe to sell my Amex Gift Card online?

    A: Selling your Amex Gift Card online can be safe if you use reputable and secure platforms like HOOK. Ensure you follow the platform’s guidelines and take necessary precautions to protect your information.

    Q9: Can I sell multiple Amex Gift Cards at once?

    A: Yes, many platforms allow you to sell multiple Amex Gift Cards simultaneously. You can list all the cards you want to sell and proceed with the transactions.

    Q10: How Much Is $100 Amex GiftCard To Naira?

    A: At hook.ng, you can sell your $100 Amex GiftCard for about N86,000 to N95,000. We pride ourselves on offering the highest and most impressive gift card rates in the market.

    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 Amex Gift Card to Naira

    1. ^ “GIFT TOKEN”. Cambridge English Dictionary. Archived from the original on 16 September 2014. for Amex Gift Card to Naira Today. 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 for $500 Razer Gold Gift Card to Naira Today. 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.
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