1. Acceptance and eligibility
By creating an account or using Lucky Card, you agree to these Terms and the Privacy Policy. You must be at least 18 years old, legally capable of entering a contract and permitted to use the service under applicable law.
2. Accounts and verification
- Provide accurate name, email, Nigerian phone number and bank-account information.
- Keep your password and verification codes confidential. You are responsible for activity performed through your account unless you promptly report unauthorised use.
- One person may not create multiple accounts to obtain duplicate rewards or bypass restrictions.
- We may require phone, email, bank-account or additional identity verification before accepting a trade or withdrawal.
3. Gift-card ownership and permitted use
You may submit only a genuine gift card that you lawfully own and are authorised to transfer. You must not submit a stolen, fraudulently obtained, counterfeit, already redeemed, duplicated, altered or unlawfully funded card. You must not submit the same card or code more than once, conceal material facts, or use Lucky Card for money laundering or other unlawful activity.
4. Submission evidence
Depending on the selected brand, Lucky Card may accept at least one card image, an optional code, or code-only evidence for supported brands. Images must be clear enough for review. You authorise Lucky Card to access and validate submitted card information solely to assess and complete the transaction, prevent fraud and resolve disputes.
5. Quotes, price locking and review
- The customer payout shown when an order is submitted is calculated from the active price table and saved as the order's price snapshot.
- If the card brand, currency and actual face value match the submission, that submitted payout is locked for the review.
- If review establishes a different face value, the payout is recalculated using the best valid customer rate available for the verified value at review, and the revised amount is displayed before approval.
- A displayed rate is not an acceptance of the card. A transaction is completed only after Lucky Card verifies and approves it.
6. Approval and rejection
Lucky Card may reject a submission that is invalid, already used, unverifiable, inconsistent, unsupported, suspected of fraud or contrary to these Terms. The activity record will show the rejection type and may show supporting explanation or evidence. We may request further information before making a decision.
7. Wallet and withdrawals
- The Lucky Card wallet is an internal record of approved trade proceeds and rewards. It is not a bank account, deposit account or independent electronic-money product.
- You must bind a bank account you are authorised to use and complete required verification before withdrawing.
- Withdrawal amounts are reserved during review. Processing time may depend on manual review, banking availability, fraud checks and third-party payment systems.
- Incorrect bank information may delay or prevent payment. Lucky Card is not responsible for a transfer sent to an account that you incorrectly supplied, except where required by law.
8. Rewards and referrals
- Direct referral commission: only the direct, first-level referrer earns a commission. The initial rate is 0.3% of the referred customer's approved trade payout and may be individually adjusted up to 1%.
- First three qualified trades: ₦2,000 for each of the customer's first three approved trades whose payout is more than ₦20,000.
- Fourth qualified trade: ₦3,000 for the fourth approved trade whose payout is more than ₦20,000.
- Cumulative trade reward: ₦1,000 whenever the customer's cumulative approved trade payout crosses another ₦300,000 threshold.
Self-referral, duplicate accounts, collusion, artificial trading or other manipulation is prohibited. Lucky Card may deny unearned or fraudulent rewards. We may change or end rewards prospectively with notice; rewards already validly credited remain fixed and are not recalculated under later rule changes.
9. Fraud, reversals and investigations
If a card, payout or account is later linked to fraud, theft, chargeback, duplicate redemption, material misrepresentation or legal restraint, Lucky Card may pause review, restrict withdrawals, reverse an erroneous credit where legally permitted, request repayment, suspend the account and cooperate with relevant authorities. We will not knowingly use this clause to remove a validly earned reward merely because a future promotion changes.
10. Suspension, closure and deletion
You may stop using the service and request account deletion at any time through the Account screen or Account Deletion page. Pending trades, withdrawals, disputes or lawful retention duties may need to be resolved first. Lucky Card may restrict or close an account for security, fraud, legal compliance or material breach of these Terms.
11. Service availability
We aim to provide a reliable service but do not guarantee uninterrupted availability. Maintenance, internet failures, banking outages, security incidents or events outside reasonable control may delay access, review or payment. Nothing in these Terms excludes rights that cannot lawfully be excluded.
12. Intellectual property
Lucky Card's name, interface, software and original content are owned by or licensed to the service operator. Brand names and gift-card marks belong to their respective owners. Their appearance does not imply sponsorship or endorsement.
13. Limitation and responsibility
To the extent permitted by law, Lucky Card is not liable for indirect or consequential loss, lost opportunity or third-party service failure. Our aggregate responsibility relating to a particular transaction will not exceed the amount properly payable for that transaction, except where applicable law requires otherwise.
14. Complaints and disputes
Contact support@luckycardng.com with the account phone or email and relevant order or withdrawal ID. We will first try to resolve the complaint fairly. These Terms are governed by applicable laws of the Federal Republic of Nigeria, without limiting mandatory consumer or data-protection rights.
15. Changes
We may update these Terms for legal, security or service changes. Material changes will be communicated through the service where reasonably possible. Continued use after the effective date means acceptance of the updated Terms; if you do not agree, stop using the service and request account deletion.