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These Terms of Use govern your relationship with Hook and your use of our website, mobile app, and services.
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.
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.
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’).
To be eligible for the use of Hook Platform, you must:
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.
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.
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.
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.
The use of the Hook platform, or its services, or provided API prohibits that you:
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.
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.
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.
Upon probable cause to believe that you have acted in violation of these Terms and Conditions or:
Upon the occurrence of ANY of the above, Hook shall immediately close, suspend or limit your account.
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:
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.
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.
Hook complies with:
We maintain transaction monitoring, reporting, and KYC processes, including cooperation with regulators such as the EFCC, SCUML, and the Ghana Financial Intelligence Centre (FIC).
This Agreement and the rights and obligations of the Parties hereunder shall be governed by and interpreted and construed as follows:
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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