RAFI MICROFINANCE - Digital Gift CardGift card for RAFI MICROFINANCE UBE, Zeny. ph, MVI and the merchant are not responsible for lost or stolen gift certificates. Gift cards are non refundable. Merchants and services providers are responsible for the quality of their own products and services Terms and Conditions: The gift certificate is valid immediately after receiving it. It has no expiry date, is non refundable, non convertible to cash, is for one time use only and cannot be used in

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