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 $50 american express gift card to naira

  • Where To Sell American Express Gift Card In Nigeria: AMEX Gift Card Exchange

    Where To Sell American Express Gift Card In Nigeria – AMEX Gift Card Exchange: American Express also called AMEX is a global payment corporation specializing in payment card services including charge cards, gift cards, credit cards, and prepaid for businesses and individuals. They also offer customers various benefits including reward points, travel perks, and cashback.

    The credit card issued by AMEX is in the same category as MasterCard and Visa. Amex gift cards, on the other hand, can not be used at ATMs for withdrawals.

    They are useful to redeem items at Amex stores instead. The major difference between American Express gift cards and other cards provided by the brand is that they are regarded as open-loop cards.

    This article focuses on how to sell American Express gift cards in Nigeria. Other important information you need to know about American Express gift cards will also be covered. 

    Types of American Express Cards

    1. American Express Prepaid Debit Cards

    Amex prepaid debit cards are reloadable cards used to pay for items anywhere they are accepted. Only the funds loaded on the card in advance can be spent. Once the fund is exhausted, the card needs to be reloaded before it can be used for payment again. 

    2. American Express Credit Cards

    There are several kinds of American Express credit cards with individual functions. A good example is the blue business cash card useful for businesses as a cashback reward. Another example is the platinum card great for luxury trip parcels. The condition tied to the Amex credit card is that all loans must be returned together with the interest and charges.

    3. American Express Charge Cards

    There is no pre-set spending limit on Amex charge cards, which offers you financial flexibility. There are reward offers as customers pay back their balance in full by the due date.

    American Express gift card

    What is an Amex Gift Card?

    American Express gift card is a preloaded card with a certain monetary amount in dollars. Amex cards are accepted in every retail store and restaurant across the United State.

    Most of the stores outside America that accept other credit cards tend to accept Amex gift cards as well. These gift cards are used as a payment alternative to purchasing items.

    Interestingly, Amex gift cards do not expire and you can also get to trade them for cash. They are available in various denominations including $25, $50, $100, $200, and $500.

    Benefits of AMEX Gift Card

    • An Amex gift card is versatile i.e it can be used at any store asides from Amex stores once they accept the card.
    • No hidden fees and usage fees are attached to Amex gift cards.
    • The funds on the Amex gift card never expire. This gives you the freedom to use it whenever you want to. However, the gift card itself can expire after 9 years after purchase. Another gift card can be issued for you with fund replacement in case the card expires.
    • Upon purchase, they will be delivered to your mail or email address as the case may be.

    Amex Gift Card Restrictions

    There are some restrictions that can cause AMEX redemption errors, and here they are: 

    • They can’t be used for certain transactions including ATM deposits and withdrawals.
    • The fund on the Amex card can’t be added to a credit card to make a purchase.
    • Amex gift cards can not be used to pay for some services including car rentals, hostel reservations, subscriptions, etc.
    • They can not be used for transactions that need pre-authorization lower than the entire transaction value.

    How Much is a $100 Amex Gift Card?

    The Amex gift card ranks high with top rates in Nigeria. With the exchange rate, a $100 Amex gift card in Nigeria can easily cover clothing expenses at the market. It’s important to note that the rate is subject to change, so what you receive for your card today may differ in the next hour or tomorrow.

    To determine the funds you’ll receive for your Amex gift card, currently, a $100 Amex gift card is valued at NGN 86,000 on Hook.

    How to Check AMEX Gift Card Balance?

    Checking your Amex gift card balance is recommended before selling. There are 2 basic methods to check. Let’s check them out:

    On Website

    • Go to the Amex gift card balance check page.
    • Navigate to the left side of the page. Enter the required details including gift card number, security PIN, and expiration date. Email address is optional.
    • Tap on the “Sign In” button.
    • Your gift card balance will be displayed

    With Customer Support

    An alternative to checking through their website is speaking directly to their customer service agent. Whether your request is for an American Express gift card or a business gift card, place a call to 1-888-846-4308 and they are always reachable anytime any day.

    American Express gift card

    How to Sell American Express Gift Card on Hook?

    • To start, go to the Hook website page. Alternatively, download the mobile app. You can get the app on either an Android or iPhone .
    • Next, sign up or sign in to your account as the case may be.
    • Swipe the images to pick the gift card or choose from the drop-down. For instance, American Express (Amex) Gift Card, Google Play gift card, etc.
    • There is a button under the text “Click here to begin”. Tap the button.
    • Go to the next page and then pick your Amex gift card subcategory.
    • Type the gift card amount you want to trade.
    • Once done, upload the gift card image or enter the code.
    • Tap on the “Sell” button. A notification will pop up to let you know your trade is successful. Click on “Submit”.

    Why Hook is Good For You?

    Nosh is a reputable gift card trading platform in Nigeria trusted by an increasing number of users. As a user, there are various benefits you get to enjoy. Check them out below;

    Fast transaction speed

    Life is hard enough. Spending unnecessary hours to trade shouldn’t add to it. You can sell an American Express gift card or any gift card within 5 minutes on the Hook app or website.

    Good rates

    Compared to other gift card trading apps in Nigeria, the best rates you can get are on the Hook app. There is a section dedicated to showing you the Hottest Rates every day on the app. The gift cards in that list will you the highest return.

    Seamless transaction 

    Nosh was built with the users in mind. This means any action you want to carry out on the app including gift card exchange is easy to navigate. You can conveniently follow the steps outlined above.

    Top-notch customer service

    Customers are number 1 and we treat ours like Kings and Queens. We attend to your complaints, requests, and questions as promptly as we get them.

    Safe transaction

    All transactions carried out on Hook are secured. Both your personal details and card information are safe. We ensure to keep our platform safe from online rippers.

    Frequently Asked Questions About American Express Gift Card

    What if my Amex gift card has an expiration date?

    If your Amex gift card has an expiration date this should be taken into consideration when selling it. Buyers can be less interested in purchasing a gift card with a limited validity period. However. If the expiration date is far in the future or if there is a significant remaining balance on the card. There could still be potential buyers who are interested in purchasing it.

    Is there a place where I can purchase an American Express card?

    Yes. You can purchase AMEX gift cards from various online platforms that specifically deal with selling gift cards. Among these platforms, the Hook App emerges as Nigeria’s most trustworthy and secure digital trading platform, guaranteeing optimal value for your transactions on the platform. 

    How Much Is $50 AMEX gift card in Nigeria?

    The current price in naira of a $50 Amex gift card is 40,500. However, it is worth noting that the price of AMEX gift cards in Nigeria is influenced by market factors such as the real exchange rate between the dollar and the naira as well as the global gift card market. Check updated rates here.

    Conclusion

    I hope you have the best information to guide you on how to sell your American Express gift card now. Don’t waste any more time. Download the Hook app and sell your gift cards swiftly.

    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.