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: highest gift cards rates today

  • Top 10 Most Popular of Gift Cards In USA (2026)

    Top 10 Most Popular Gift Cards In the USA (2026)

    Over 41% of Americans use gift cards. These digital assets are a convenient way to pay for items at your favorite brand and a cost-effective way to shop. There is no saying how far they would grow. One thing is for certain: these digital assets are here for a good time. This is why you need to get yourself acquainted with them.

    Gift Card Rate Calculator

    Hook.ng Rate Calculator

    Enter your gift card details below to calculate how much naira you’ll be paid, using our live rates.

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    The best gift card rates…

    Listed below are the top gift cards with the best rates on Hook right now, ranked in descending order. This list updates automatically as rates change.

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    About rates on Hook

    Gift card rates specified on this page are accurate as at the time it’s checked. So if you ever wonder “How much can I sell gift cards in Nigeria” or “what is gift card rate in Nigeria” or “what is the best gift card with highest rate”, this is the go-to page. However, rates change continually, and what the gift card rate is at the moment may change in the next minute. If you leave the tab open, always reload the page before checking current rates.

    Hook provides higher than the average rates to convert gift card to naira or cedis, which is because we have the interest of customers at heart. So, you can be rest assured that the rate you see on this page is the best.

    With that said, Hook remains the best site to sell gift card in Nigeria and also the best site to sell gift card in Nigeria and Ghana. On Hook, you can sell iTunes, Amazon, Razer Gold, Steam Card, Google Play, Apple Store, eBay, Walmart, Sephora, OneVanilla, Nordstrom, Target, JCPenney, Best Buy, Nike, Hotels.com, Macy’s, Gamestop, Xbox, Vanilla, G2A, American Express (AMEX), OffGamers, Foot Locker, Visa, Play Station and others.

    What affects gift card rates?

    Gift card rates are always a bit high during the festive period, like December. The end of the year is always a peak period for all industries, especially the e-commerce industry, a lot of businesses just want to stock up, which increases the demand for gift cards.

    Hook gift card rates are above the market average because we have customers’ interests at heart.

    Also, gift card prices increase during the holiday season, when many people are at home. This means more people are likely to play mobile games, which in turn increases the demand for gaming gift cards like Steam, Playstation, Xbox and Google Play.

    However, in response to the end-of-the-year rush, the e-commerce market is bound to adjust, and so the demand for payment methods like gift cards will drop around January. This contributes to relatively lower gift card rates in the early part of the year.

    In short, it’s all demand and supply. But rest assured, Hook will give you the best.

    Gift cards have become one of the most sought-after presents in the USA. They offer convenience, flexibility, and the joy of choice for both the giver and receiver.

    In this article, we will explore what gift cards are, the various types available, the benefits they offer, and the Popular Top 10 USA Best Gift Cards With the Highest Rates To Sell in Nigeria.

    Why Gift Cards Are Popular in The USA

    The first gift card was introduced by Neiman Marcus in Florida in 1994, and the rest is history. Since then, this digital asset has grown expeditiously across America and all over the world. Although created as an alternative method of payment, gift cards are now used as a means of exchange for goods or services provided, even internationally.

    They also serve as one of the best gifts to give your loved ones. This is because it gives them the liberty to buy exactly what they want at the time and not be tied down to a specific present that they might not even like.

    With a nicely funded gift card, you would surely be in their good books for quite some time. According to a survey conducted by BlackHawk in 2021, over 83% of American consumers are willing to give and receive gift cards over physical gifts. 

    Top 10 Highest Gift Cards in the United States Of America and Their Uses  

    New gift cards are emerging on the scene by the day. Because there is a great tool for marketing and ensuring customer loyalty, it is almost impossible to know every single one that exists. However, I would inform you that the 10 most popular gift cards in America are in no particular order. 

    1. Amazon Gift Card:Β 

    Amazon gift cards can be used to pay for items at the β€œEverything Store.” This company has grown over the years, with its major source of income coming from technology and E-commerce. With your Amazon gift card, you can buy various items. Such as: baby wear, outdoor appliances, gaming consoles, cooking utensils, groceries, etc. There is no surprise that this digital asset is in high demand in America. 

    2. Apple Gift Card: 

    Apple gift cards can be used to purchase both hardware and software assets from the brand. With this gift card, you can buy iPhones, renew your Apple Music subscription, and even pay for iCloud storage. 

    3. American Express Gift Card: 

    Amex gift cards are one of the few gift cards that can be used anywhere. They serve more as an ATM than a regular gift card because they can be used to pay for items everywhere AMEX is accepted as a means of payment.

    4. Visa Gift Card: 

    Visa gift cards are also very similar to AMEX. Because the brand is a financial services company (Card provider) their gift cards can also be used as an ATM in places where VISA is accepted as a payment method. 

    5. Google Play Gift Card: 

    The Google Play Store is home to over 3 million applications that run on the Android Operating system. Loads of these applications can be downloaded to your smart device for free. However, the Google Play gift card serves as a convenient means to purchase paid applications on the platform.

    6. Steam Gift Card:

    Steam is a platform that creates, distributes, and sells video games. It is one of the most popular pc gaming platforms in the world currently. You can interact, purchase, and download thousands of games and gaming accessories with your Steam gift card on Steam. You would also have first-hand access to all the latest drops because most game developers submit and collaborate with Steam to sell their games on their platform as well. 

    7. Sephora Gift Card: 

    This remains one of the best gift cards to give a woman. Sephora is a makeup and beauty brand that serves as one of the biggest retail companies for beauty-related products. To purchase these items, your Sephora gift card can come in handy. 

    8. Razer Gold Gift Card: 

    Razer Gold gift cards are an effective means of purchasing games, accessories, and videos on Razer. This is a platform that sells both Software and hardware gaming applications and accessories. 

    9. Nike Gift Card: 

    Nike is one of the biggest corporations in the world. They are known mainly for selling sneakers and other clothing apparel. Nike exists in almost every continent in the world, Africa included. You can buy all items from this brand with your Nike gift card.

    10. Nordstrom Gift Card:

     Nordstrom gift cards can get you high-end luxury fashion items and accessories at the brand. 

    Benefits Of Gift Cards

    Gift cards offer several benefits for both givers and recipients, making them a popular choice for various occasions. Here are some key benefits of gift cards:

    1. Flexibility: Gift cards provide recipients with the flexibility to choose their preferred items or experiences. Unlike traditional gifts, they can pick exactly what they want or need.
    2. Wide Variety: Gift cards are available for a wide range of retailers, businesses, and services, catering to diverse interests and tastes. This variety ensures that there’s a suitable gift card for everyone.
    3. Convenience: Giving and receiving gift cards is convenient. Givers can easily purchase them in-store or online, while recipients can carry them in their wallets or redeem them digitally.
    4. Personalization: Although gift cards may seem less personal than traditional gifts, givers can still personalize their choices by selecting a card from a recipient’s favorite store or brand.
    5. Reduced Returns: Unlike physical gifts that may not fit or suit the recipient’s preferences, gift cards reduce the likelihood of returns or exchanges, saving time and hassle for both parties.
    6. Easy to Send: Gift cards are an excellent option for long-distance gifting. They can be easily sent via email, making it simple to celebrate special occasions with loved ones, no matter where they are.
    7. Last-Minute Gift: When time is running out, or you’re unsure of what to buy, gift cards are a perfect last-minute solution. They can be purchased and delivered instantly.
    8. Budget-Friendly: Gift cards can accommodate various budgets, making them suitable for both small gestures and more significant gifts.
    9. Incentives and Rewards: Businesses often use gift cards as incentives for employees, rewards for loyal customers, or prizes for contests and promotions.
    10. No Expire Dates: Many gift cards have no expiration dates, allowing recipients to use them whenever they choose. This makes them a long-lasting gift option.
    11. Financial Security: Prepaid gift cards offer a level of financial security, as they are not linked to personal bank accounts and can be replaced if lost or stolen (subject to certain terms and conditions).
    12. Environmental Impact: Digital gift cards, in particular, contribute to reducing paper waste, making them a more environmentally friendly gift option.
    13. Gift for Any Occasion: Gift cards are suitable for a wide range of occasions, including birthdays, holidays, weddings, graduations, and corporate events.
    14. Supports Local Businesses: Purchasing gift cards from local businesses can help support the community and small entrepreneurs, especially during challenging times.
    15. Teaches Financial Responsibility: For younger recipients, gift cards can be a valuable tool for learning about budgeting and responsible spending.

    Overall, gift cards offer a convenient and thoughtful way to celebrate special moments and show appreciation to loved ones and colleagues. Their versatility and benefits make them a go-to choice for many gift-givers.

    Conclusion

    So, that is all on the list of the best gift card rates in Nigeria and their prices in Naira.

    It’s also important to sell your gift cards on the right gift card exchange platform.

    It is a huge loss if you don’t know the best platform to trade your cards.

    Selling your gift cards and selling your gift cards at a reasonable rate (Cash value) are two different things.

    And since you’ve gotten to know which gift card has the highest rate in Nigeria in2026, it is time to start selling.

    Hook is the best place to trade your gift cards. We offer you the best rates to exchange and sell gift cards for Cash.

    Always check for gift card rates using our Giftcards Rate Calculator before you start trading.

    Start trading today by downloading the Hook Mobile App here.

    Enjoy!