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: Steam card $50 to naira

  • How Much Is €100 Euro Steam Gift Card in Naira?

    Last updated |  Verified by Hook Trading Desk

    Quick Answer: A €100 Euro Steam gift card is worth ₦100,000 to ₦150,000 in Nigerian Naira as of July 2026 when sold on Hook. Use Hook’s live rate calculator at hook.ng for today’s exact rate.
    steam euro gift card
    Gift Card Rate Calculator — Steam, Amazon, iTunes & More to Naira | Hook

    Hook.ng Rate Calculator

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

    Enter amount
    Select a card to see the rate
    Select category
    Select card / denomination
    NGN PAYOUT ₦0
    Start Trading on Hook
    Loading live rates…

    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.

    Loading top rates…

    Steam card rate to naira on Hook

    Looking for today’s steam card rate to naira? Hook shows you the live steam gift card rate in Nigeria the moment you select “Steam” from the category dropdown above and type in your card’s dollar value — no guesswork, no outdated tables. Whether you’re checking the rate of steam card for a single $10 card or working out what a $500 Steam Wallet gift card converts to, the calculator above updates instantly using the same live pricing our app uses.

    The steam card rate per dollar on Hook is generally higher than what you’ll find at most street vendors or informal exchange platforms, because Steam Wallet codes are consistently in demand among Nigerian gamers. That demand is also why the steam gift card rate today tends to hold steadier than some other card categories — but as always, prices can move, so it’s worth reloading the calculator right before you sell steam card in Nigeria to lock in the current number.

    Common Steam card denominations and their naira value

    Below is a quick reference for how popular Steam card amounts typically convert. These are illustrative — always use the live calculator above for the exact current rate before you trade, since the steam wallet rate updates continuously.

    Steam card amount Approx. naira payout
    $20 Steam card to nairaCheck live rate ↑
    $30 Steam card to nairaCheck live rate ↑
    $50 Steam card to nairaCheck live rate ↑
    $100 Steam card to nairaCheck live rate ↑
    $200 Steam card to nairaCheck live rate ↑

    Frequently asked — Steam gift cards on Hook

    You can check your Steam card balance directly through the Steam client or the official Steam website before you trade — go to your account wallet page and look for the balance checker there. Once you know the exact value, come back to Hook and use the calculator above to see what that amount converts to in naira at today’s steam wallet gift card rate.

    Rates change frequently based on demand, so the most accurate steam card rate today is always the one shown live in the calculator above. Select “Steam” as your category and your card’s denomination to see the exact rate per dollar right now.

    Yes — Hook accepts Steam Wallet gift cards across a wide range of denominations, from small $10–$20 cards up to larger $200+ codes. Enter your exact amount in the calculator to see your naira payout before you commit to the trade.

    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.

    Current Euro Steam Gift Card Rates in Naira — July 2026

    The table below shows all Euro Steam card denominations with updated July 2026 Naira values. Rates are reviewed daily.

    Card DenominationNaira Value (₦)Best For
    €10 Steam Card₦9,500 – ₦11,000Small top-ups
    €20 Steam Card₦21,500 – ₦25,500Indie games
    €50 Steam Card₦54,500 – ₦60,500Mid-range purchases
    €100 Steam Card ★₦100,000 – ₦150,000AAA games & bundles
    €200 Steam Card₦240,000 – ₦280,000High-value trades
    €300 Steam Card₦280,000 – ₦370,000Bulk sellers
    €500 Steam Card₦590,000 – ₦640,000Premium traders
    Pro Tip: Rates can shift by thousands of Naira within a single day. Always check the live rate before selling at hook.ng/rate-calculator.

    What Is a Steam Gift Card?

    A Steam gift card is a prepaid digital voucher redeemable on the Steam platform — the world’s largest PC gaming marketplace. Steam cards load credit into your Steam Wallet for:

    • Buying PC games — FIFA, GTA V, CS2, Dota 2, and thousands more
    • Purchasing DLCs, expansions, and in-game items
    • Downloading software and creative tools
    • Gifting games to friends anywhere in the world

    Two main formats exist:

    • Digital E-Codes — Delivered by email. Fastest to sell, highest rates.
    • Physical Cards — Scratch-off cards from retail stores. Slightly lower rates due to verification time.

    Why the Naira Value of a €100 Steam Card Changes Daily

    • EUR/NGN Exchange Rate — The most powerful factor. When the Euro strengthens, card values rise in Naira.
    • Platform Fees — Hook displays all fees transparently before you confirm your trade.
    • Card Format — Digital e-codes fetch marginally better rates than physical cards.
    • Seasonal Demand — Steam sale events (Summer, Winter) spike demand and can push rates higher.

    How to Sell a €100 Steam Card on Hook (Step-by-Step)

    1. Create or log in to your Hook account at hook.ng or via the mobile app.
    2. Select ‘Steam Gift Card‘ and choose the €100 Euro denomination. The live Naira rate is shown immediately.
    3. Submit your card code securely via Hook’s encrypted form. Never share codes publicly.
    4. Wait for verification — usually a few minutes. Track status in real time on the platform.
    5. Receive your Naira payment instantly to your Hook Wallet or bank account.
    Warning: Hook will never ask for your card code via WhatsApp, Instagram DM, or Telegram. Only submit through the official platform.

    Tips for Getting the Best Naira Rate

    • Trade during Nigerian business hours (9am–4pm WAT) for best EUR/NGN liquidity.
    • Prefer digital e-codes over physical scratch cards for faster verification and better rates.
    • Don’t delay — rates can move significantly within hours.
    • Compare platforms: Hook consistently offers Nigeria’s highest gift card payouts.
    • Never post your code publicly before completing the trade.

    Common Mistakes to Avoid

    • Using unverified platforms — stick to Hook and other reviewed services with transparent fee structures.
    • Sharing codes in WhatsApp groups or social media before selling — codes can be stolen instantly.
    • Selling without checking the current EUR/NGN rate — you may accept less than market value.
    • Waiting too long — there is no guaranteed rate recovery if you miss a peak.
    • Not disclosing partial-use cards — always state if a card has been partially redeemed.

    Conclusion

    A €100 Euro Steam gift card is worth ₦100,000 to ₦150,000 in Nigeria as of July 2026 — with the highest payouts available on Hook. Rates change daily with EUR/NGN exchange movements, so check Hook’s live rate calculator before trading and act quickly when rates are favorable.

    Key takeaways:

    • €100 Steam card = ₦100,000 – ₦150,000 on Hook (July 2026)
    • Prefer digital e-codes for better rates and faster payment
    • Check live rates before every trade at hook.ng/rate-calculator
    • Sell on verified platforms only — never share codes publicly
    Ready to sell? Visit hook.ng to sell your €100 Euro Steam card now. Instant payment, best rates, trusted by thousands of Nigerians.

    Paul

    Admin