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: how much is $100 amex gift card in nigeria

  • How Much Is $100 Amex Gift Card To Naira Today?

    How Much Is $100 Amex Gift Card To Naira Today?: Sell your $100 Amex GiftCard on Hook.ng for approximately N86,000 to N90,000. We take pride in offering the best gift card rates in the market. Our platform, Hook.ng, is designed for a smooth and secure selling experience. When you choose us, selling your $100 Amex GiftCard becomes hassle-free, and you can expect competitive rates. The value may vary due to demand and supply, but we assure you of the best gift card rate.

    How Much Is $100 Amex Gift Card To Naira Today?

    What makes Hook.ng stand out is our commitment to customer satisfaction, emphasizing transparency, reliability, and efficiency in all transactions. Our user-friendly interface ensures an easy and convenient selling process from start to finish.

    Security is our top priority, and we use advanced encryption and secure payment gateways to protect your personal and financial information. You can trust that your transactions are secure, providing peace of mind throughout the selling process.

    Count on our dedicated customer support team to assist you. Whether you have questions about the selling process or need help with a specific transaction, our knowledgeable and friendly support staff is ready to help. Your trust is invaluable to us, and we strive to deliver exceptional service at every step.

    Highest Amex Gift Card Rates in Nigeria Today

    Gift card rates are constantly changing but you can always see the current rate of any gift card here.

    As of today, this is the best rate for Amex gift cards in Nigeria.

    GIFT CARD AMOUNTAMOUNT IN NAIRA
    $50 Amex card34,100 – 38,250
    $100 Amex card86,200 – 90,000
    $200 Amex card172,000 – 180,000
    $300 Amex card257,900 – 280,000
    $500 Amex card431,000 – 490,000
    $1000 Amex card859,000 – 930,000

    $100 Amex Giftcard to Naira

    How to Sell $100 American Express Gift Card in Nigeria?

    Hook is Nigeria’s most secure and reliable platform to sell AMEX gift cards. With Hook, you enjoy extremely high rates, instant withdrawals, and unmatched customer support.

    Hook takes pride in providing a seamless and trustworthy experience for selling AMEX gift cards in Nigeria.

    Our platform ensures your transactions are secure and your information is protected.

    We offer competitive rates that are among the best in the market, allowing you to get the most value out of your AMEX gift cards.

    One of the key advantages of using Hook is our instant withdrawal feature, which allows you to access your funds quickly and conveniently.

    We understand the importance of timely transactions, and our platform is designed to provide you with immediate access to your money.

    In addition to our high rates and fast withdrawals, Hook is committed to delivering exceptional customer support.

    Our dedicated team is available to assist you with any questions or concerns you may have throughout the selling process.

    We believe in building lasting relationships with our customers, and we prioritize your satisfaction above all else.

    Choose Hook for a reliable, secure, and hassle-free experience when selling your AMEX gift cards in Nigeria.

    Join our community of satisfied customers and enjoy the benefits of our top-notch service today.

    Steps to Sell $100 American Express (Amex) Gift Cards on HOOK:

    1. Create an Account:
    2. Account Setup:
      • Log in to your account and complete your profile setup.
      • verify your BVN (Bank Verification Number).
      • Add your bank account details for withdrawals.
    3. Access Trading Menu:
      • Click on “TRADE GIFT CARDS” after logging in.
      • Select “SELL GIFT CARDS” from the menu.
    4. Choose Amex Gift Card:
      • Use the search bar or select “American Express” from the displayed gift card brands.
    5. Specify Card Details:
      • Specify the card currency (USD, GBP, EUR) and type (Physical card, Ecode, Receipt, etc.).
    6. Enter Card Details:
      • Select the sub-category, card value, and enter the Amex gift card amount ($100).
      • The total cash payout in Naira and the rate will be displayed.
      • Proceed to the next step.
    7. Provide Card Information:
      • Enter the Amex Gift Card details, which may include the card number, expiry date, and security code.
      • Verify the entered card details.
    8. Confirm and Complete Transaction:
      • Review the card details.
      • Click on “Sell Gift Card” to confirm the transaction.
      • Read and accept the card terms.
      • Confirm the transaction to complete the process.
    9. Transaction Status Notification:
      • You will receive a notification confirming the success of your Amex Gift Card trade.
    10. Wallet Credited:
    • Your HOOK account wallet will be instantly credited with the cash equivalent of your Amex Gift Card trade.
    • Withdraw the funds to your bank account as desired.

    What is AMEX?

    American Express, commonly referred to as Amex, is a globally recognized financial services company headquartered in New York City, United States.

    Established in 1850, American Express is renowned for its credit card, charge card, and traveler’s cheque services.

    It operates as a multinational corporation, providing a wide range of financial products and services to consumers, businesses, and merchants worldwide.

    Here are some key aspects of American Express:

    1. Credit and Charge Cards: American Express issues credit cards and charge cards to individuals and businesses. While credit cards allow users to carry a balance, charge cards require users to pay the full balance each month.
    2. Travel Services: American Express is known for its travel-related services, including travel insurance, hotel bookings, car rentals, and travel rewards programs.
    3. Merchant Services: Amex provides payment processing services for merchants, allowing businesses to accept American Express cards as a form of payment.
    4. Rewards Programs: American Express offers various rewards programs, allowing cardholders to earn points or cashback rewards for their purchases. These rewards can often be redeemed for travel, merchandise, or statement credits.
    5. Financial Services: Apart from credit cards, American Express offers a range of financial products, including personal savings accounts, certificates of deposit (CDs), and business loans.
    6. Global Presence: American Express operates globally, serving customers in many countries around the world. Its cards are widely accepted by merchants, making it a convenient choice for travelers.
    7. Customer Service: American Express is known for its customer service, often providing exceptional support to its cardholders.

    Amex cards are known for their reliability, security features, and various membership benefits, catering to a diverse range of consumers, from individuals to small businesses and large corporations.

    How to Check AMEX Gift Card Balance?

    Checking the balance on your American Express (Amex) Gift Card is a simple process and can be done online or over the phone. Here are the steps to check your Amex Gift Card balance:

    1. Online Balance Check:

    a. Visit the official American Express Gift Card website.

    b. Locate the “Check Your Balance” option. This is usually prominently displayed on the homepage.

    c. Enter your Amex Gift Card number and the security code (usually found on the back of the card).

    d. Click on the “Check Balance” or similar button. The website will then display your remaining balance.

    2. Phone Balance Check:

    a. Flip your Amex Gift Card and find the customer service number. This is usually provided on the back of the card.

    b. Dial the customer service number using your phone.

    c. Follow the automated prompts. You will be asked to enter your gift card number and other relevant details.

    d. Listen for your remaining balance, which will be provided through the automated system.

    3. In-Store Balance Check:

    Some stores might allow you to check your Amex Gift Card balance at the cash register. Simply present your gift card to the cashier and ask them to check the remaining balance for you.

    Please note that the specific process might vary slightly based on the issuer of your Amex Gift Card.

    Always check the instructions provided with your card or visit the official Amex Gift Card website for the most accurate and updated information regarding balance inquiries.

    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.